About this format
How SEPA QR code works
Create a static EPC payment QR for a SEPA credit transfer with recipient, IBAN and optional euro amount.
Static-only format
What the QR code contains
The QR code contains an EPC069-12 payment payload with the recipient name, IBAN, optional BIC, EUR amount and remittance text. Compatible banking apps can use it to prepare a SEPA transfer.
Where it works
Acceptance depends on the payer's bank and app in the SEPA area. Some apps support only parts of the EPC specification, so test with the banks your audience uses.
Limits to check
This is a static payload: changing the IBAN, amount or reference requires a new QR code. IBAN validation detects structural errors but does not prove the account exists or belongs to the named recipient.