EPC QR code
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The
European Payments Council The Single Euro Payments Area (SEPA) is a payment-integration initiative of the European Union for simplification of bank transfers denominated in euro. , there were 36 members in SEPA, consisting of the 27 member states of the European Union ...
Quick Response Code guidelines define the content of a QR code that can be used to initiate
SEPA credit transfer SEPA may refer to: *The Single Euro Payments Area, a payment-integration initiative of the European Union *The Scottish Environment Protection Agency, Scotland’s environmental regulator and flood authority *State Environmental Protection Admin ...
(SCT). It contains all the necessary information in clear text. These QR code guidelines are used on many invoices and payment requests in the countries that support it (Austria, Belgium, Finland, Germany, The Netherlands) enabling tens of millions to pay without requiring manual input leading to lower error rates. The EPC guidelines are available from the EPC itself. Another version has also been published by the Federation of Finnish Finance Services (FFI).


Sample content

So the QR string could be 
BCD
001
1
SCT
BPOTBEB1
Red Cross of Belgium
BE72000000001616
EUR1
CHAR

Urgency fund
Sample EPC QR code


History

In the course of 2012, Austrian payment facilitator STUZZA (now part of PSA Payment Services Austria) defined the content of a QR code that could be used to initiate money transfers within the
Single Euro Payments Area The Single Euro Payments Area (SEPA) is a payment-integration initiative of the European Union for simplification of bank transfers denominated in euro. , there were 36 members in SEPA, consisting of the 27 member states of the European Union ...
. In February 2013, the
European Payments Council The Single Euro Payments Area (SEPA) is a payment-integration initiative of the European Union for simplification of bank transfers denominated in euro. , there were 36 members in SEPA, consisting of the 27 member states of the European Union ...
(EPC) published the document 'Quick Response Code: Guidelines to Enable Data Capture for the Initiation of a Credit Transfer'. These guidelines were quickly adopted by the Austrian banks. These QR code can be recognized thanks to the words "Zahlen mit Code" on the right. These guidelines were later on used in Finland (2015), Germany (2015Girocode in Germany
/ref>), the Netherlands (2016Scan2Pay (General information of the EPC QR code usage in the EU)
/ref>) and Belgium (2016).


Generators

Various generators are available online to generate the QR code following the EPC guidelines:


Digiteal with "www.scan2pay.info" on the right border

TEC-IT Generic QR code generator also supporting the EPC guidelines

Pure EPC QR-code generator with all versions, API and without trackers

GiroCode WordPress plugin
and (currently dysfunctional
EPC QR code WordPress plugin


See also

*
Short Payment Descriptor 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. Practically, the format is being deployed in the Czech Republic (wher ...
*
International Bank Account Number The International Bank Account Number (IBAN) is an internationally agreed system of identifying bank accounts across national borders to facilitate the communication and processing of cross border transactions with a reduced risk of transcription ...
(IBAN)


References

{{Reflist Portal:Business and economics Mobile payments