Payment QR
A payment QR is a scannable code that carries payment instructions so a customer can transfer details into a compatible banking app instead of typing them. An EPC QR can encode information for initiating a SEPA Credit Transfer, such as beneficiary details, IBAN, amount and remittance information. Scanning does not itself confirm or complete payment.
Why this matters when you invoice
A payment QR can reduce typing errors and effort when the customer pays by bank transfer, while the visible text remains available for checking.
Where it appears on an invoice
Place the code near the beneficiary, IBAN, amount and payment reference. Show the same payment data in plain text so the customer can verify it or pay without scanning.
Payment QR example
An invoice for €850 includes an EPC QR containing the beneficiary name, IBAN, amount and invoice reference. The customer scans it, reviews the prefilled transfer in a compatible banking app and authorizes the payment there.
Common mistakes
- Treating a generated QR as proof of payment.
- Hiding the payment details so they cannot be checked manually.
- Assuming every banking app supports the same QR format.
Put it into practice
Use the matching InvoiceCraftly tool to prepare or check the payment details, then verify them against information supplied by the beneficiary or bank before sending the invoice.
InvoiceCraftly helps present payment instructions; it does not hold funds, authorize transfers, verify account ownership or confirm that payment arrived.
Official references
Sources and terminology reviewed 2 September 2026.
Frequently asked questions
Does scanning a payment QR send the money immediately?
No. It transfers payment details into a compatible app; the customer still reviews and authorizes the payment.
Is every QR code on an invoice an EPC QR?
No. QR codes can contain URLs, text or other payment formats. The encoded format determines what a compatible scanner can do.