diff --git a/app/[locale]/share/location/[id]/LocationViewPage.tsx b/app/[locale]/share/location/[id]/LocationViewPage.tsx
index 60fcf12..a962b5d 100644
--- a/app/[locale]/share/location/[id]/LocationViewPage.tsx
+++ b/app/[locale]/share/location/[id]/LocationViewPage.tsx
@@ -1,5 +1,6 @@
 import { ViewLocationCard } from '@/app/ui/ViewLocationCard';
 import { fetchLocationById, setSeenByTenant } from '@/app/lib/actions/locationActions';
+import { getUserSettingsByUserId } from '@/app/lib/actions/userSettingsActions';
 import { notFound } from 'next/navigation';
 import { myAuth } from '@/app/lib/auth';
 
@@ -10,14 +11,17 @@ export default async function LocationViewPage({ locationId }: { locationId:stri
         return(notFound());
     }
 
+    // Fetch user settings for the location owner
+    const userSettings = await getUserSettingsByUserId(location.userId);
+
     // Check if the page was accessed by an authenticated user who is the owner
     const session = await myAuth();
     const isOwner = session?.user?.id === location.userId;
-  
+
     // If the page is not visited by the owner, mark it as seen by tenant
     if (!isOwner) {
         await setSeenByTenant(locationId);
     }
 
-    return (<ViewLocationCard location={location} />);
+    return (<ViewLocationCard location={location} userSettings={userSettings} />);
 }
\ No newline at end of file
diff --git a/app/lib/actions/userSettingsActions.ts b/app/lib/actions/userSettingsActions.ts
index 4e5ca44..8571712 100644
--- a/app/lib/actions/userSettingsActions.ts
+++ b/app/lib/actions/userSettingsActions.ts
@@ -123,6 +123,21 @@ export const getUserSettings = withUser(async (user: AuthenticatedUser) => {
     return userSettings;
 });
 
+/**
+ * Get user settings by userId (without authentication)
+ * Used for public/shared pages where we need to display owner's payment information
+ */
+export const getUserSettingsByUserId = async (userId: string): Promise<UserSettings | null> => {
+    noStore();
+
+    const dbClient = await getDbClient();
+
+    const userSettings = await dbClient.collection<UserSettings>("userSettings")
+        .findOne({ userId });
+
+    return userSettings;
+};
+
 /**
  * Update user settings
  */
diff --git a/app/ui/ViewLocationCard.tsx b/app/ui/ViewLocationCard.tsx
index d69763a..df83d3f 100644
--- a/app/ui/ViewLocationCard.tsx
+++ b/app/ui/ViewLocationCard.tsx
@@ -1,7 +1,7 @@
 'use client';
 
 import { FC } from "react";
-import { BilledTo, BillingLocation } from "../lib/db-types";
+import { BilledTo, BillingLocation, UserSettings } from "../lib/db-types";
 import { formatYearMonth } from "../lib/format";
 import { formatCurrency } from "../lib/formatStrings";
 import { useTranslations } from "next-intl";
@@ -10,10 +10,13 @@ import { Pdf417Barcode } from "./Pdf417Barcode";
 import { PaymentParams } from "hub-3a-payment-encoder";
 
 export interface ViewLocationCardProps {
-    location: BillingLocation
+    location: BillingLocation;
+    userSettings: UserSettings | null;
 }
 
-export const ViewLocationCard:FC<ViewLocationCardProps> = ({location: { _id, name, yearMonth, bills }}) => {
+export const ViewLocationCard:FC<ViewLocationCardProps> = ({location, userSettings}) => {
+
+    const { _id, name, yearMonth, bills, tenantFirstName, tenantLastName, tenantStreet, tenantTown } = location;
 
     const t = useTranslations("home-page.location-card");
 
@@ -21,18 +24,18 @@ export const ViewLocationCard:FC<ViewLocationCardProps> = ({location: { _id, nam
     const monthlyExpense = bills.reduce((acc, bill) => (bill.paid && (bill.billedTo ?? BilledTo.Tenant) === BilledTo.Tenant) ? acc + (bill.payedAmount ?? 0) : acc, 0);
 
     const paymentParams:PaymentParams = {
-        Iznos:"123,66",  // NOTE: use comma, not period!
-        ImePlatitelja:"Ivan Horvat",
-        AdresaPlatitelja:"Ilica 23",
-        SjedistePlatitelja:"10000 Zagreb",
-        Primatelj:"Nikola Derežić",
-        AdresaPrimatelja:"Divka Budaka 17",
-        SjedistePrimatelja:"Zagreb",
-        IBAN:"HR8924020061100679445",
-        ModelPlacanja: "HR00",  // MUST contain "HR" prefix!
-        PozivNaBroj:"2025-05",
-        SifraNamjene:"",
-        OpisPlacanja:"Režije-Budakova-05",
+        Iznos: (monthlyExpense/100).toFixed(2).replace(".",","),
+        ImePlatitelja: (tenantFirstName && tenantLastName) ? `${tenantFirstName} ${tenantLastName}` : "",
+        AdresaPlatitelja: tenantStreet ?? "",
+        SjedistePlatitelja: tenantTown ?? "",
+        Primatelj: (userSettings?.firstName && userSettings?.lastName) ? `${userSettings.firstName} ${userSettings.lastName}` : "",
+        AdresaPrimatelja: userSettings?.street ?? "",
+        SjedistePrimatelja: userSettings?.town ?? "",
+        IBAN: userSettings?.iban ?? "",
+        ModelPlacanja: "HR00",
+        PozivNaBroj: `${yearMonth.year}-${yearMonth.month.toString().padStart(2,"0")}`,
+        SifraNamjene: "",
+        OpisPlacanja: `Režije-${name}-${yearMonth.month.toString().padStart(2,"0")}`,
     };
 
     return(