Create a QR code for a reviewed SEPA Credit Transfer in EUR. Enter the beneficiary and payment details, compare the readable result, and download the QR code for a compatible banking app.
The QR code can pre-fill an EPC/SEPA Credit Transfer with the beneficiary name, IBAN, optional BIC, optional EUR amount, purpose code and one payment reference. It does not authorize, submit, settle or confirm a bank transfer.
Understand the payment flow: Payment QR, SEPA Credit Transfer, payment reference, IBAN, and BIC / SWIFT code.
The QR follows the EPC format for SEPA Credit Transfer initiation, but individual banking apps decide whether and how they support scanning. Test the downloaded QR with the banking apps relevant to your customers before publishing it broadly.
A QR image can be damaged, unsupported or replaced. Keep the beneficiary, IBAN, amount and reference readable on the invoice so the payer can compare what their banking app decoded.
An EPC/SEPA payment QR code follows the European Payments Council's EPC069-12 guidelines to encode a SEPA Credit Transfer so a compatible banking app can prefill the beneficiary, IBAN and other transfer details for the payer to review.
The beneficiary name, IBAN, optional BIC, optional EUR amount, an optional four-character purpose code, and one payment reference: either a structured reference or free-text remittance text, not both.
No. Scanning only prefills a transfer in a compatible banking app; the payer still has to review and confirm it before sending. Generating the QR does not send the bank details to an InvoiceCraftly backend.
Yes. Leaving the amount blank lets the payer enter or confirm it themselves; every other included detail still needs the payer's review.
This tool generates EPC QR code version 2, where BIC is optional for many domestic SEPA transfers but some banks or transaction types can still require it, so include it when in doubt.
A single payment reference: either a structured reference, such as a Creditor Reference/RF reference, or free-text remittance text. Only one can be used per QR code.
Yes. After generating the QR, use "Use in invoice" to review and confirm the beneficiary, IBAN, BIC and reference before InvoiceCraftly adds them to the invoice.
Individual banking apps decide whether and how they support scanning EPC QR codes, so an app can reject or partially read a code depending on a missing BIC, unsupported characters, or its own scanning implementation. Test the downloaded QR with the banking apps relevant to your customers before publishing it.
Compare the beneficiary name, IBAN, amount and reference shown by the banking app after scanning with the same details printed readably on the invoice before authorizing the transfer.
