SEPA payment QR code Generator

Create a free static SEPA payment QR code for SEPA payment QR code.

SEPA payment QR code

Enter the details and download a branded SEPA payment QR code for print or digital use.

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Guides • SEPA payment QR codes help people act quickly from SEPA payment QR code. Build a branded static code, test it, and export production-ready files.

SEPA QR codes

Create EPC QR codes for SEPA credit transfers

EPC QR codes encode the payment data needed to start a SEPA Credit Transfer in compatible European banking apps. They are useful on invoices, donation forms, membership renewals, bank-transfer requests, and printed payment slips where manually typing an IBAN would create avoidable errors.

QR Code Crafter creates a static EPC payload locally from the recipient name, IBAN, optional BIC, EUR amount, purpose code, and reference. Export SVG, PNG, JPG, WebP, PDF, or EPS assets for invoice templates, accounting workflows, and customer-facing payment instructions.

Key advantages

Europe-ready bank transfers

Support customers who prefer SEPA credit transfers in countries where EPC QR scanning is available in banking apps.

Fewer invoice errors

Encode the IBAN, recipient name, amount, and reference so payers do not mistype long payment details.

Static and inspectable

The QR code contains the payment request directly. There is no redirect, account, scan tracking, or hosted payment page dependency.

Where this QR code shines

Invoice payment slips

Add SEPA QR codes to PDFs and printed invoices so customers can scan details into their banking app before authorising the transfer.

Membership renewals

Create fixed-reference QR codes for clubs, associations, schools, and nonprofits collecting recurring fees.

Donations and fundraising

Offer a bank-transfer alternative for supporters who do not want to use card payments or hosted payment processors.

B2B payment requests

Share structured transfer details for deposits, retainers, and bank-payment instructions in a format accounting teams can verify.

Ideal audiences

European finance teams

Reduce manual transfer errors while keeping payment requests aligned with existing SEPA reconciliation workflows.

Small businesses and agencies

Create polished bank-transfer QR codes for invoices without subscribing to a managed QR platform.

Associations and nonprofits

Publish payment requests for fees and donations that can be downloaded, printed, and reused while the account details stay stable.

SEPA QR code optimisation tips

  • Check that the IBAN checksum passes and that the recipient name matches the account holder before publishing.
  • Use a structured invoice reference when reconciliation matters, or leave it blank and use remittance text instead.
  • Keep the EUR amount blank for flexible donations, or pre-fill it for fixed invoices and membership fees.
  • Do not use this static invoice-oriented format for unattended point-of-interaction terminals; use a bank-approved payment flow for live checkout.
  • Export SVG, PDF, or EPS for invoice templates and print, then scan a proof with the banking apps your customers use.

Make bank transfers easier to complete

SEPA transfers are familiar across Europe, but long IBANs and invoice references still create friction. A static EPC QR code helps payers start from accurate data and verify the transfer before authorisation.

Use one QR code per invoice, price point, or payment purpose. If account details or references change, regenerate the static QR code and update every printed or PDF placement.

Create EPC QR codes for SEPA credit transfers FAQs

What SEPA QR format does QR Code Crafter create?

QR Code Crafter creates EPC QR payloads for SEPA Credit Transfer data capture using BCD, version 002, UTF-8 character set, SCT identification, beneficiary details, amount, and reference fields.

Is the BIC required?

BIC is optional in many modern SEPA transfer flows, but some banking apps and cross-border scenarios may still use it. Add it when your invoice or bank instructions include one.

Should I use payment reference or remittance text?

Use a structured payment reference for invoice reconciliation when available. Use remittance text only when there is no structured reference.

Do SEPA QR codes expire?

The static QR asset does not expire, but the payment request becomes stale if the IBAN, amount, reference, or payee details change.

Will every European banking app scan this QR code?

No. EPC QR support varies by country and bank. Test the exported code with the banking apps your payers are likely to use, and keep plain-text payment instructions nearby.