SEPA/EPC Payment QR Code — European Bank Transfers
Create a SEPA/EPC QR code for instant European bank transfers. Pre-fill IBAN, amount, and reference. Free at QRMax.
A SEPA/EPC payment QR code pre-fills a European bank transfer with the recipient's IBAN, amount, and payment reference. Customers scan with their banking app to pay instantly. Create one at QRMax.
What It Does
The QR follows the European Payments Council (EPC) standard. When scanned by a banking app, it pre-fills a SEPA credit transfer with all payment details, so the user just confirms.
Common Use Cases
| Use Case | Example |
|---|---|
| Invoices | Add EPC QR to paper and PDF invoices |
| Rent collection | Tenants scan to pay rent with correct reference |
| Club memberships | Annual dues payment made easy |
| Charity donations | Pre-filled transfers for nonprofits |
| B2B payments | Vendor payments with correct IBAN and reference |
How to Create a SEPA/EPC Payment QR Code
- Choose "SEPA/EPC" type — Open QRMax and select SEPA payment.
- Enter payment details — Add beneficiary name, IBAN, BIC (optional), amount, and payment reference.
- Customize & download — Style and export for print or digital invoices.
Practical Tips
- Always include a payment reference — This helps match incoming payments to invoices or accounts.
- Add to PDF invoices — Place the QR on every invoice so clients can pay by scanning instead of typing IBAN details. For creating and editing PDF invoices, check out MyPDF.
- Verify the IBAN — An incorrect IBAN will either fail or send money to the wrong account.
Which banking apps support EPC QR codes?
Most European banking apps support the EPC QR standard, including ING, ABN AMRO, Rabobank, Deutsche Bank, Sparkasse, BNP Paribas, and many others.
Is this only for Eurozone countries?
SEPA covers the EU, EEA, UK, Switzerland, and Monaco — over 36 countries. The currency is always EUR.
Can I set the amount or leave it open?
Both. You can pre-fill a specific amount or leave it blank for the payer to enter. Fixed amounts reduce payment errors.
Related QR Types
- PayPal QR Code — Accept PayPal payments worldwide
- Bitcoin QR Code — Accept cryptocurrency payments
- UPI Payment QR — Accept UPI payments in India
- PDF QR Code — Share invoices as PDF files