SEPA QR Code Generator
Create EPC-compliant SEPA QR codes for instant bank transfers. Pre-fill IBAN, BIC, amount, and payment references so customers pay correctly with a single scan.
How to Create a SEPA QR Code
Collect accurate bank transfers in minutes
Enter payment details
Choose the SEPA template and add the account name, IBAN, optional BIC, amount, and reference. Fair-QR validates mandatory fields instantly.
Review compliance hints
Follow inline guidance for reference length and character sets to stay EPC compliant. Adjust fields until the preview looks perfect.
Customize & export
Personalize the QR code design, add your logo if needed, and download an SVG for invoices or PNG/JPEG for quick sharing.
Estimated time · ~3 minutes
Powered by Fair-QR QR Code Generator. Generate unlimited QR codes with privacy-first processing directly in your browser.
Built for European payments
Fair-QR follows European Payments Council specs so you capture payments without manual errors.
IBAN & amount pre-filled
Reduce errors by embedding the account holder, IBAN, and exact amount directly in the QR code.
Structured references
Add RF/VS references or custom remittance info up to 140 characters with inline validation.
Secure by design
Everything runs locally in your browser—no banking data ever touches our servers.
EU bank compatibility
Follows EPC069-12 guidelines trusted across Germany, Austria, Belgium, Finland, the Netherlands, and beyond.
Flexible amounts
Lock the amount for invoices or leave it open for donations—users can still adjust in their app if allowed.
Business-ready exports
Download crisp SVGs for invoices and slips, plus PNG/JPEG for quick digital distribution.
Understanding the EPC QR Code Format
How your payment data is encoded in the QR code
Every SEPA QR code follows the EPC069-12 standard, encoding payment data in a specific text format. The code contains multiple lines of information separated by newlines, starting with a service tag and version number.
BCD
002
1
SCT
BICCODEXXX
Recipient Name
DE89370400440532013000
EUR100.00
Invoice 12345- BCD = Service Tag (identifies this as a payment QR code)
- 002 = Version number (current EPC standard)
- 1 = Character set (1 = UTF-8)
- SCT = Identification code for SEPA Credit Transfer
Practical SEPA QR code use cases
Bring frictionless bank transfers to paperwork, events, and donation flows across Europe.
Invoices & payment slips
Embed QR codes next to the total so clients approve transfers without retyping banking data.
Donations & fundraising
Print codes on flyers or screens to accept instant, cashless donations across the eurozone.
Associations & memberships
Prefill annual fees or dues for clubs, federations, and alumni networks—members just confirm.
Tradespeople & freelancers
Add QR codes to quotes and invoices so customers can pay immediately after a job is done—no manual IBAN copying.
Event tickets & registrations
Include payment QR codes on confirmation emails or printed tickets for conferences, workshops, and concerts.
Deposits & down payments
Request security deposits or partial payments upfront with a pre-filled QR code—ideal for rentals and reservations.
Why businesses trust SEPA QR codes
Zero typing errors
Customers scan instead of copying 22-character IBANs manually. No more failed transfers due to typos.
Faster payments
Reduce payment delays—customers pay directly from their banking app in seconds, not days.
100% privacy
Fair-QR generates codes locally in your browser. Your banking details never leave your device.
Professional appearance
Add your logo and brand colors to create polished payment QR codes that match your invoice design.
SEPA QR Code FAQs
Key questions about EPC payment QR codes
What is a SEPA QR code?
A SEPA QR code (also known as EPC QR code) encodes payment details according to the European Payments Council standard. When scanned, banking apps fill in the creditor name, IBAN, amount, and reference, so customers only need to confirm the transfer.
Do I need a BIC for SEPA QR codes?
How long can the payment reference be?
Which banking apps support SEPA QR codes?
Is the generated QR code reusable?
What is the difference between SEPA QR and GiroCode?
Can I leave the amount open for donations?
Which characters are allowed in the payment reference?
Create your QR code now - free and without signup
For restaurants, events, marketing and everyday use. No signup, no hidden costs, no data collection. Create, customize, download - done.