{"id":16696,"date":"2026-01-02T09:23:10","date_gmt":"2026-01-02T07:23:10","guid":{"rendered":"https:\/\/www.fixit.gr\/?p=16696"},"modified":"2026-01-02T09:23:54","modified_gmt":"2026-01-02T07:23:54","slug":"iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata","status":"publish","type":"post","link":"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata","title":{"rendered":"IRIS 2025: What changes for electronic invoices and ERP systems\u00a0"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The IRIS direct payment service is now considered a key development in the Greek digital economy, with applications in a wide range of business activities. As of November 1, 2025, accepting payments via IRIS becomes mandatory for businesses and self-employed individuals, in physical retail locations as well as in online stores. This change is part of a broader digital strategy that seeks to accelerate transactions, increase transparency, reduce the use of cash and gradually unify tax information in real time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This institutional transition creates significant impacts on enterprise resource planning (ERP) information systems and electronic invoicing, requiring technical, organizational and accounting adjustments. At the same time, changes to business flows, regulatory obligations and collection reconciliation mechanisms are expected.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata\/#%CE%99%CF%83%CF%84%CE%BF%CF%81%CE%B9%CE%BA%CE%AE_%CE%B5%CE%BE%CE%AD%CE%BB%CE%B9%CE%BE%CE%B7_%CE%BA%CE%B1%CE%B9_%CE%B8%CE%B5%CF%83%CE%BC%CE%B9%CE%BA%CF%8C_%CF%80%CE%BB%CE%B1%CE%AF%CF%83%CE%B9%CE%BF\" >Historical development and institutional framework<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata\/#%CE%9B%CE%B5%CE%B9%CF%84%CE%BF%CF%85%CF%81%CE%B3%CE%B9%CE%BA%CE%AE_%CF%80%CE%B5%CF%81%CE%B9%CE%B3%CF%81%CE%B1%CF%86%CE%AE_%CF%84%CE%BF%CF%85_%CF%83%CF%85%CF%83%CF%84%CE%AE%CE%BC%CE%B1%CF%84%CE%BF%CF%82_IRIS\" >Functional description of the IRIS system<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata\/#%CE%95%CF%80%CE%B9%CF%80%CF%84%CF%8E%CF%83%CE%B5%CE%B9%CF%82_%CF%83%CF%84%CE%B7%CE%BD_%CE%B7%CE%BB%CE%B5%CE%BA%CF%84%CF%81%CE%BF%CE%BD%CE%B9%CE%BA%CE%AE_%CF%84%CE%B9%CE%BC%CE%BF%CE%BB%CF%8C%CE%B3%CE%B7%CF%83%CE%B7\" >Impact on electronic invoicing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata\/#%CE%95%CF%80%CE%B9%CF%80%CF%84%CF%8E%CF%83%CE%B5%CE%B9%CF%82_%CF%83%CE%B5_ERP_%CF%83%CF%85%CF%83%CF%84%CE%AE%CE%BC%CE%B1%CF%84%CE%B1\" >Impact on ERP systems<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata\/#%CE%A4%CE%B5%CF%87%CE%BD%CE%B9%CE%BA%CE%AD%CF%82_%CE%B1%CF%80%CE%B1%CE%B9%CF%84%CE%AE%CF%83%CE%B5%CE%B9%CF%82_%CE%B5%CF%86%CE%B1%CF%81%CE%BC%CE%BF%CE%B3%CE%AE%CF%82\" >Technical application requirements<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata\/#%CE%9F%CF%81%CE%B3%CE%B1%CE%BD%CF%89%CF%84%CE%B9%CE%BA%CE%AD%CF%82_%CF%80%CF%81%CE%BF%CF%83%CE%B1%CF%81%CE%BC%CE%BF%CE%B3%CE%AD%CF%82\" >Organizational adjustments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata\/#%CE%A3%CF%85%CE%BC%CF%86%CF%89%CE%BD%CE%AF%CE%B1_%CF%80%CE%BB%CE%B7%CF%81%CF%89%CE%BC%CF%8E%CE%BD_%CE%BA%CE%B1%CE%B9_%CE%BB%CE%BF%CE%B3%CE%B9%CF%83%CF%84%CE%B9%CE%BA%CE%AD%CF%82_%CE%BA%CE%B1%CF%84%CE%B1%CF%87%CF%89%CF%81%CE%AE%CF%83%CE%B5%CE%B9%CF%82\" >Payment agreement and accounting entries<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata\/#%CE%A0%CE%BB%CE%B5%CE%BF%CE%BD%CE%B5%CE%BA%CF%84%CE%AE%CE%BC%CE%B1%CF%84%CE%B1\" >Advantages<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata\/#%CE%9C%CE%B5%CE%B9%CE%BF%CE%BD%CE%B5%CE%BA%CF%84%CE%AE%CE%BC%CE%B1%CF%84%CE%B1_%CE%BA%CE%B1%CE%B9_%CF%80%CF%81%CE%BF%CE%BA%CE%BB%CE%AE%CF%83%CE%B5%CE%B9%CF%82\" >Disadvantages and challenges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata\/#%CE%95%CF%80%CE%B9%CF%80%CF%84%CF%8E%CF%83%CE%B5%CE%B9%CF%82_%CF%83%CF%84%CE%B7%CE%BD_%CE%B1%CE%B3%CE%BF%CF%81%CE%AC_%CE%B7%CE%BB%CE%B5%CE%BA%CF%84%CF%81%CE%BF%CE%BD%CE%B9%CE%BA%CE%BF%CF%8D_%CE%B5%CE%BC%CF%80%CE%BF%CF%81%CE%AF%CE%BF%CF%85\" >Impact on the e-commerce market<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata\/#%CE%95%CF%80%CE%B9%CF%80%CF%84%CF%8E%CF%83%CE%B5%CE%B9%CF%82_%CF%83%CF%84%CE%BF%CE%BD_%CF%84%CF%81%CE%B1%CF%80%CE%B5%CE%B6%CE%B9%CE%BA%CF%8C_%CF%84%CE%BF%CE%BC%CE%AD%CE%B1\" >Impact on the banking sector<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata\/#%CE%A3%CF%85%CE%BC%CF%80%CE%AD%CF%81%CE%B1%CF%83%CE%BC%CE%B1\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%CE%99%CF%83%CF%84%CE%BF%CF%81%CE%B9%CE%BA%CE%AE_%CE%B5%CE%BE%CE%AD%CE%BB%CE%B9%CE%BE%CE%B7_%CE%BA%CE%B1%CE%B9_%CE%B8%CE%B5%CF%83%CE%BC%CE%B9%CE%BA%CF%8C_%CF%80%CE%BB%CE%B1%CE%AF%CF%83%CE%B9%CE%BF\"><\/span><b>Historical development and institutional framework<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">IRIS was established by the Greek interbank system as an account-to-account payment service. Gradually, the service was expanded from private payments to business and e-commerce payments. Institutional decisions 2023-2025 established mandatory acceptance of the service by entities issuing retail receipts or service invoices.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The deadline for linking business bank accounts to the IRIS system has been set at 1 November 2025. After this date, failure to accept payments via IRIS may result in administrative penalties.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This development is in line with European guidelines to enhance instant payments, with the aim of reducing costs and settlement time.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%CE%9B%CE%B5%CE%B9%CF%84%CE%BF%CF%85%CF%81%CE%B3%CE%B9%CE%BA%CE%AE_%CF%80%CE%B5%CF%81%CE%B9%CE%B3%CF%81%CE%B1%CF%86%CE%AE_%CF%84%CE%BF%CF%85_%CF%83%CF%85%CF%83%CF%84%CE%AE%CE%BC%CE%B1%CF%84%CE%BF%CF%82_IRIS\"><\/span><b>Functional description of the IRIS system<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">IRIS provides a direct credit payment system, without the intermediary of a card. The charge is transferred directly from a customer account to a professional account. The functionality is divided into three categories:<\/span><\/p>\n<p><b>P2P (Person-to-Person)<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Payments between individuals, often via mobile applications.\u00a0<\/span><\/p>\n<p><b>P2B (Person-to-Business)<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Payments to businesses, usually via QR code or mobile banking app.\u00a0<\/span><\/p>\n<p><b>E-Commerce<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Payments in online stores via dynamic QR or special options in the shopping cart.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Payments are considered immediate, with automated clearing in the banking system and entry in the business IBAN.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%CE%95%CF%80%CE%B9%CF%80%CF%84%CF%8E%CF%83%CE%B5%CE%B9%CF%82_%CF%83%CF%84%CE%B7%CE%BD_%CE%B7%CE%BB%CE%B5%CE%BA%CF%84%CF%81%CE%BF%CE%BD%CE%B9%CE%BA%CE%AE_%CF%84%CE%B9%CE%BC%CE%BF%CE%BB%CF%8C%CE%B3%CE%B7%CF%83%CE%B7\"><\/span><b>Impact on electronic invoicing<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>Automated payment identification<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">By posting the transaction immediately, the issuance of an invoice or receipt may be completed almost simultaneously with the payment. Electronic invoicing is affected as follows:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Issue timestamps are adjusted to match the payment confirmation.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automated revenue streams are enabled via API.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The need to control overdue receivables is reduced.\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>Interconnection with tax information systems<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">With the increase in IRIS usage, revenues are reflected with greater transparency:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The electronic revenue book is updated faster.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment data is consolidated with billing information.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The reconciliation of bank transactions becomes more systematic.\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>Improving controls and recording<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Electronic invoicing is enhanced by the fact that payments are made digitally without the use of cash, which limits the handling of physical money.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%CE%95%CF%80%CE%B9%CF%80%CF%84%CF%8E%CF%83%CE%B5%CE%B9%CF%82_%CF%83%CE%B5_ERP_%CF%83%CF%85%CF%83%CF%84%CE%AE%CE%BC%CE%B1%CF%84%CE%B1\"><\/span><b>Impact on ERP systems<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The introduction of IRIS changes ERP functions. The following subsystems are affected:<\/span><\/p>\n<h3><b>Collections subsystem<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">ERP providers require:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic recognition system for paid documents.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Real-time customer account updates.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Suitable reports for transaction reconciliation.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Direct collection requires precise classification of payments based on the QR code.<\/span><\/p>\n<h3><b>Financial flows<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Banks send transaction data that needs to be imported or synchronized with ERP. Automatic reconciliation reduces accounting costs and human errors.<\/span><\/p>\n<h3><b>E-commerce management<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In combination with e-shops:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Checkout processes are being updated.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Receipts are issued after payment confirmation.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancellations due to failed cards are reduced.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%CE%A4%CE%B5%CF%87%CE%BD%CE%B9%CE%BA%CE%AD%CF%82_%CE%B1%CF%80%CE%B1%CE%B9%CF%84%CE%AE%CF%83%CE%B5%CE%B9%CF%82_%CE%B5%CF%86%CE%B1%CF%81%CE%BC%CE%BF%CE%B3%CE%AE%CF%82\"><\/span><b>Technical application requirements<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>POS terminals<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Physical stores require POS compatible with:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IRIS P2B function,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">dynamic QR generation,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">payment reference recording.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Older generation POS may require firmware.<\/span><\/p>\n<h3><b>Internet portals<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Online stores require:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment provider API connection,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">callback endpoints for information from the bank,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">order matching mechanism with IRIS reference.\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>Bank account<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">An active business account linked to company details is required. Linking is required for timely compliance.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%CE%9F%CF%81%CE%B3%CE%B1%CE%BD%CF%89%CF%84%CE%B9%CE%BA%CE%AD%CF%82_%CF%80%CF%81%CE%BF%CF%83%CE%B1%CF%81%CE%BC%CE%BF%CE%B3%CE%AD%CF%82\"><\/span><b>Organizational adjustments<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The introduction of IRIS requires a restructuring of internal processes.<\/span><\/p>\n<h3><b>Staff training<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Store staff should be familiar with:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">reading QR codes,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">payment confirmation on POS screens,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">exception logging.\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>Customer information<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Businesses are required to display an IRIS acceptance sign. It is recommended to place it:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">marking stickers,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">informative checkout plans.\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>Returns management<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Refunds via IRIS are made via reverse bank transfer. Therefore:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit notes are registered,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The disbursement of funds and order cancellation are coordinated in an accounting manner.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%CE%A3%CF%85%CE%BC%CF%86%CF%89%CE%BD%CE%AF%CE%B1_%CF%80%CE%BB%CE%B7%CF%81%CF%89%CE%BC%CF%8E%CE%BD_%CE%BA%CE%B1%CE%B9_%CE%BB%CE%BF%CE%B3%CE%B9%CF%83%CF%84%CE%B9%CE%BA%CE%AD%CF%82_%CE%BA%CE%B1%CF%84%CE%B1%CF%87%CF%89%CF%81%CE%AE%CF%83%CE%B5%CE%B9%CF%82\"><\/span><b>Payment agreement and accounting entries<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Using IRIS creates more distinct financial identifiers:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Agreement can be made automatically with a reference code.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The speed of book updates is increasing.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accounting balances are decreasing.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">ERPs with reconciliation capabilities benefit from automation.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%CE%A0%CE%BB%CE%B5%CE%BF%CE%BD%CE%B5%CE%BA%CF%84%CE%AE%CE%BC%CE%B1%CF%84%CE%B1\"><\/span><b>Advantages<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>Speed<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Transactions are processed in seconds, without a card clearing process. This leads to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">increase in liquidity flow,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">acceleration of product deliveries,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">reduction of customer debt risk.\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>Reliability<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Payments are based on a banking environment, offering stability. At the same time, they minimize:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">cancellations due to insufficient card balance,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">card fraud.\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>Cost reduction<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Card fees can be replaced by lower fees. The overall transaction costs are also reduced for small businesses.<\/span><\/p>\n<h3><b>Transparency<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Recording payments enhances tax compliance and minimizes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">unrecorded receipts,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">accounting inconsistencies.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%CE%9C%CE%B5%CE%B9%CE%BF%CE%BD%CE%B5%CE%BA%CF%84%CE%AE%CE%BC%CE%B1%CF%84%CE%B1_%CE%BA%CE%B1%CE%B9_%CF%80%CF%81%CE%BF%CE%BA%CE%BB%CE%AE%CF%83%CE%B5%CE%B9%CF%82\"><\/span><b>Disadvantages and challenges<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>Technical readiness<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Some businesses may not have:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">modern POS,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ERP modules,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">personnel with relevant training.\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>Cost of adaptation<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Required:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">upgrades,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">infrastructure market,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">contracts with branding providers.\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>Exception management<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In case of technical malfunction:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">manual receipts are issued,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">a post-transaction confirmation is required.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The opt-out mechanism must be documented.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%CE%95%CF%80%CE%B9%CF%80%CF%84%CF%8E%CF%83%CE%B5%CE%B9%CF%82_%CF%83%CF%84%CE%B7%CE%BD_%CE%B1%CE%B3%CE%BF%CF%81%CE%AC_%CE%B7%CE%BB%CE%B5%CE%BA%CF%84%CF%81%CE%BF%CE%BD%CE%B9%CE%BA%CE%BF%CF%8D_%CE%B5%CE%BC%CF%80%CE%BF%CF%81%CE%AF%CE%BF%CF%85\"><\/span><b>Impact on the e-commerce market<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The IRIS login at the online store checkout:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">reduces card usage,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">accelerates order execution,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">enhances security.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The user experience becomes simpler because the mobile banking application is used without entering card details.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At the same time:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">payment cancellations are becoming rarer,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">stocks are updated faster,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Returned products are recorded immediately.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%CE%95%CF%80%CE%B9%CF%80%CF%84%CF%8E%CF%83%CE%B5%CE%B9%CF%82_%CF%83%CF%84%CE%BF%CE%BD_%CF%84%CF%81%CE%B1%CF%80%CE%B5%CE%B6%CE%B9%CE%BA%CF%8C_%CF%84%CE%BF%CE%BC%CE%AD%CE%B1\"><\/span><b>Impact on the banking sector<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The use of IRIS:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">reduces the burden of card clearing,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">creates an increased need for cybersecurity,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">reinforces the importance of APIs.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Instant transaction network traffic increases processing power requirements.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%CE%A3%CF%85%CE%BC%CF%80%CE%AD%CF%81%CE%B1%CF%83%CE%BC%CE%B1\"><\/span><b>Conclusion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">November 1, 2025 is a milestone for the digital transformation of businesses in Greece. The mandatory acceptance of IRIS is directly linked to the automation of collection management, electronic invoicing and interoperability with ERP systems. Although the adaptation requires technical investments and organizational changes, the benefits in speed, transparency, cost savings and streamlining of flows are expected to contribute to the overall upgrade of business operations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Successful implementation depends on timely preparation, staff training and infrastructure adaptation. In the medium term, IRIS is expected to become a central mechanism in the Greek direct payments economy and will significantly enhance digital invoicing and business resource management flows.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>\u0397 \u03c5\u03c0\u03b7\u03c1\u03b5\u03c3\u03af\u03b1 \u03ac\u03bc\u03b5\u03c3\u03c9\u03bd \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ce\u03bd IRIS \u03b8\u03b5\u03c9\u03c1\u03b5\u03af\u03c4\u03b1\u03b9 \u03c0\u03bb\u03ad\u03bf\u03bd \u03ba\u03bf\u03bc\u03b2\u03b9\u03ba\u03ae \u03b5\u03be\u03ad\u03bb\u03b9\u03be\u03b7 \u03c3\u03c4\u03b7\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ae \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03af\u03b1, \u03bc\u03b5 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c3\u03b5 \u03c0\u03bb\u03ae\u03b8\u03bf\u03c2 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03ce\u03bd \u03b4\u03c1\u03b1\u03c3\u03c4\u03b7\u03c1\u03b9\u03bf\u03c4\u03ae\u03c4\u03c9\u03bd. \u0391\u03c0\u03cc \u03c4\u03b7 1\u03b7 \u039d\u03bf\u03b5\u03bc\u03b2\u03c1\u03af\u03bf\u03c5 2025, \u03b7 \u03b1\u03c0\u03bf\u03b4\u03bf\u03c7\u03ae \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ce\u03bd \u03bc\u03ad\u03c3\u03c9 IRIS \u03ba\u03b1\u03b8\u03af\u03c3\u03c4\u03b1\u03c4\u03b1\u03b9 \u03c5\u03c0\u03bf\u03c7\u03c1\u03b5\u03c9\u03c4\u03b9\u03ba\u03ae \u03b3\u03b9\u03b1 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03b1\u03c5\u03c4\u03bf\u03b1\u03c0\u03b1\u03c3\u03c7\u03bf\u03bb\u03bf\u03cd\u03bc\u03b5\u03bd\u03bf\u03c5\u03c2, \u03c3\u03b5 \u03c6\u03c5\u03c3\u03b9\u03ba\u03bf\u03cd\u03c2 \u03c7\u03ce\u03c1\u03bf\u03c5\u03c2 \u03b5\u03bc\u03c0\u03bf\u03c1\u03af\u03bf\u03c5 \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03b5 \u03b7\u03bb\u03b5\u03ba\u03c4\u03c1\u03bf\u03bd\u03b9\u03ba\u03ac \u03ba\u03b1\u03c4\u03b1\u03c3\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1. \u0397 \u03b1\u03bb\u03bb\u03b1\u03b3\u03ae \u03b1\u03c5\u03c4\u03ae \u03b5\u03bd\u03c4\u03ac\u03c3\u03c3\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03b5\u03c5\u03c1\u03cd\u03c4\u03b5\u03c1\u03b7 \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ae \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ae \u03c0\u03bf\u03c5 \u03b5\u03c0\u03b9\u03b4\u03b9\u03ce\u03ba\u03b5\u03b9 \u03c4\u03b7\u03bd&#8230;<\/p>","protected":false},"author":1,"featured_media":16697,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[41],"tags":[],"class_list":["post-16696","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>IRIS 2025: \u03a4\u03b9 \u03b1\u03bb\u03bb\u03ac\u03b6\u03b5\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03b7\u03bb\u03b5\u03ba\u03c4\u03c1\u03bf\u03bd\u03b9\u03ba\u03ac \u03c4\u03b9\u03bc\u03bf\u03bb\u03cc\u03b3\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b1 ERP \u03c3\u03c5\u03c3\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1\u00a0 - Fixit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fixit.gr\/en\/iris-2025-ti-allazei-gia-ta-ilektronika-timologia-kai-ta-erp-systimata\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IRIS 2025: \u03a4\u03b9 \u03b1\u03bb\u03bb\u03ac\u03b6\u03b5\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03b7\u03bb\u03b5\u03ba\u03c4\u03c1\u03bf\u03bd\u03b9\u03ba\u03ac \u03c4\u03b9\u03bc\u03bf\u03bb\u03cc\u03b3\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b1 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2025, \u03b7 \u03b1\u03c0\u03bf\u03b4\u03bf\u03c7\u03ae \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ce\u03bd \u03bc\u03ad\u03c3\u03c9 IRIS \u03ba\u03b1\u03b8\u03af\u03c3\u03c4\u03b1\u03c4\u03b1\u03b9 \u03c5\u03c0\u03bf\u03c7\u03c1\u03b5\u03c9\u03c4\u03b9\u03ba\u03ae \u03b3\u03b9\u03b1 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03b1\u03c5\u03c4\u03bf\u03b1\u03c0\u03b1\u03c3\u03c7\u03bf\u03bb\u03bf\u03cd\u03bc\u03b5\u03bd\u03bf\u03c5\u03c2, \u03c3\u03b5 \u03c6\u03c5\u03c3\u03b9\u03ba\u03bf\u03cd\u03c2 \u03c7\u03ce\u03c1\u03bf\u03c5\u03c2 \u03b5\u03bc\u03c0\u03bf\u03c1\u03af\u03bf\u03c5 \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03b5 \u03b7\u03bb\u03b5\u03ba\u03c4\u03c1\u03bf\u03bd\u03b9\u03ba\u03ac \u03ba\u03b1\u03c4\u03b1\u03c3\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1. \u0397 \u03b1\u03bb\u03bb\u03b1\u03b3\u03ae \u03b1\u03c5\u03c4\u03ae \u03b5\u03bd\u03c4\u03ac\u03c3\u03c3\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 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