What is an EPC Payment QR Code?
An EPC (European Payments Council) QR Code contains SEPA (Single Euro Payments Area) payment information. When scanned with a banking app, it opens the payment interface with IBAN, amount, and recipient details pre-filled. Users can complete SEPA transfers instantly. Perfect for businesses and individuals in Europe accepting euro payments.
Why Use EPC Payment QR Codes?
SEPA Standard
EPC QR codes follow European payment standards, ensuring compatibility with all European banking apps and SEPA-compliant systems.
Quick Transfers
Customers can initiate SEPA transfers instantly with one scan - no need to manually enter long IBAN numbers or payment details.
Reduce Errors
Eliminate typos in IBAN numbers. QR codes ensure correct payment details, preventing failed transfers or misdirected payments.
European Reach
Works across all SEPA countries (EU, UK, Switzerland, etc.). Accept payments from customers throughout Europe.
How to Use EPC Payment QR Codes
- Enter IBAN: Input your IBAN (International Bank Account Number) - the European standard bank account identifier.
- Add Payment Details: Enter payee name, amount (optional), currency (EUR), BIC (Bank Identifier Code), and optional remittance reference/text.
- Set Additional Info: Add remittance information and payment description to help identify the transaction.
- Customize & Display: Style your QR code, then display at checkout, on invoices, websites, or payment terminals in Europe.
Frequently Asked Questions
IBAN (International Bank Account Number) is your European bank account identifier, typically 15-34 characters. Find it on bank statements, online banking, or your bank card. Format varies by country (e.g., DE89 3704 0044 0532 0130 00 for Germany).
Most European banking apps support EPC QR codes, including apps from major banks (Deutsche Bank, BNP Paribas, ING, etc.) and payment apps. The EPC QR code format is standardized across SEPA countries.
SEPA Instant Credit Transfers are processed within seconds, but standard SEPA transfers typically take 1 business day. Check with your bank for instant SEPA availability and fees.
Yes! If you pre-fill an amount, customers can edit it before confirming. If you don't specify an amount, customers enter it themselves. This provides flexibility for variable payments.
BIC (Bank Identifier Code) identifies your bank. It's optional but recommended for faster processing. Find it on bank statements or ask your bank. Format: 8-11 characters (e.g., DEUTDEFF for Deutsche Bank).
EPC QR codes are designed for SEPA countries (EU, UK, Switzerland, etc.). While QR codes can be scanned anywhere, EPC payments require European bank accounts. For international payments, use other methods.
SEPA credit transfers within the EU are typically free or have very low fees. Fees vary by bank and country. SEPA Instant transfers may have additional fees. Check with your bank for specific fee structure.
Yes! If you're logged in, you can edit saved EPC QR codes and update IBAN, amount, or other details. The QR code will be regenerated with new information.
You can track QR code scans if logged in, but payment tracking happens in your bank account. All SEPA transfers appear in your bank statement with remittance information you specified.
Absolutely! EPC QR codes are perfect for businesses in Europe. Use them at retail stores, restaurants, online stores, service providers, and any business accepting euro payments. Display QR codes at checkout or include in invoices.
