Short Payment Descriptor (SPAYD, SPD) is a compact data format for an easy exchange of payment information using modern electronic channels, such as smart phones or NFC devices.

Therefore, Short Payment Descriptor can be implemented by any subject without any legal concerns or fees.

The format is based on defined key-value pairs and it can be extended by proprietary attributes (using the "X-" prefix).

SPD*1.0*ACC:CZ5855000000001265098001*AM:480.50*CC:CZK*MSG:Payment for the goods The default keys that are used in the SPAYD format are: ... or ...

Canonic representation is obtained by removing CRC32 field from SPAYD representation, reconstructing SPAYD string while sorting key-pair attributes by key and values (alphabetically), applying CRC32 (IEEE 802.3) and converting to hexadecimal uppercase string.