EPC QR Code Generator
Enter your SEPA payment details below — beneficiary name, IBAN, amount, and reference. Customize the style, then download your EPC QR code.
PNG, JPG, or WebP. Logo is embedded in the center of the QR code. Use High error correction for best results.
Your EPC QR code will appear here
Enter your payment details and click "Generate"
Step-by-Step: Create an EPC QR Code
From payment details to a scannable code on your invoice in under sixty seconds.
An EPC QR code — formally known as a European Payments Council Quick Response code, and commonly referred to as GiroCode in Germany and Austria — encodes SEPA credit transfer instructions in a standardised format that banking apps across 36 SEPA member countries can read instantly. When a customer scans the code with their mobile banking application, all the payment details are pre-filled: the beneficiary name, IBAN, BIC, transfer amount, and a payment reference or remittance text. The payer simply confirms the transaction with their PIN or biometric authentication. No manual data entry, no transcription errors, no delays. The EPC QR standard (version 002) was defined by the European Payments Council to accelerate person-to-business and person-to-person SEPA credit transfers across the eurozone and beyond.
1. Gather Your Payment Details
You need the beneficiary name (the person or company receiving the payment, up to 70 characters), the IBAN (International Bank Account Number — the standard account identifier used across all SEPA countries), and optionally the BIC/SWIFT code of the beneficiary’s bank. For domestic transfers within the same country, many banking apps can derive the BIC from the IBAN, so it is not strictly required. You may also include the transfer amount (in EUR, between €0.01 and €999,999,999.99) and either a structured creditor reference (ISO 11649, up to 35 characters) or an unstructured remittance text (up to 140 characters). Per the EPC standard, reference and remittance text are mutually exclusive — if you provide both, the structured reference takes priority.
2. Enter Details and Customize
Scroll to the EPC QR Code Generator above. The Payment (EPC) type is already selected. Fill in the beneficiary name and IBAN fields. Add the amount if you want a fixed payment value — or leave it blank to let the payer enter their own amount, which is ideal for donations or variable invoices. Add the BIC if you serve international customers whose banks may not auto-resolve it. Enter a reference or remittance text so the payment can be reconciled with your accounting system. Then customise the visual style: pick brand colours or a gradient to match your company identity, choose a module shape and eye style, and select the dedicated Payment frame template which adds a clear "SCAN TO PAY" label beneath the code. Upload your company logo for branded recognition — make sure to use High error correction when embedding a logo so the QR code remains reliably scannable.
3. Download and Display on Invoices
Click Generate EPC QR Code and download the result as PNG (up to 2048×2048 px for print-quality output) or SVG (infinite resolution, ideal for vector design tools). Place the EPC QR code on your PDF invoices, printed statements, or email templates so customers can scan and pay in seconds. Display it at your point of sale — on a countertop sign, a table card, or a checkout screen — to offer instant bank transfer as an alternative to card payments. For recurring payments like rent or utility bills, include the code on monthly statements so tenants or customers always have the latest payment details at hand. The QR code is static and never expires, so a single generated image can be reused across all your materials as long as the payment details remain the same.
EPC QR Code Use Cases
Every scenario where SEPA payment QR codes eliminate friction and reduce errors.
Invoices & Bills
Print an EPC QR code directly on your PDF or paper invoices. Your customers scan the code with their banking app, and every detail — IBAN, amount, reference number — is pre-filled automatically. No more manual IBAN entry, no transposed digits, no failed transfers. Payment reconciliation becomes effortless because the structured reference matches exactly every time.
Retail & Point of Sale
Display an EPC QR code at the checkout counter to accept instant SEPA bank transfers alongside card payments. Customers scan with their phone, confirm the amount, and the money moves directly from their account to yours. No card terminal fees, no processing delays. Ideal for businesses that want to offer a low-cost payment alternative in any of the 36 SEPA member countries.
Freelancers & Consultants
Add an EPC QR code to every invoice you send. Clients scan and pay without hunting for your bank details in an email thread. The amount and reference are locked in, so you always receive the correct payment matched to the right project. Faster payments mean healthier cash flow — especially critical for solo professionals managing their own finances.
Charities & Donations
Display EPC QR codes at fundraising events, on posters, or on your website. Leave the amount field empty so donors choose their own contribution. The barrier to donate drops dramatically — no need to remember an IBAN or fill in a lengthy bank form. Just scan, enter an amount, confirm. Works with any European banking app that supports the EPC standard.
Rent & Utility Payments
Landlords and utility companies can include an EPC QR code on monthly statements or rental agreements. Tenants scan the code each month to initiate the exact payment with the correct reference. No more chasing missing references or reconciling anonymous transfers. Update the amount when rates change and regenerate the code in seconds on QRMint.
Market Stalls & Pop-Ups
Accept cashless payments at farmers’ markets, craft fairs, and pop-up shops without investing in a card terminal. Print an EPC QR code on a small sign or laminated card. Customers scan and transfer the amount directly to your bank account. You avoid card processing fees entirely, and the payment settles quickly via the SEPA network — perfect for small vendors and temporary setups.
Why Choose QRMint for EPC QR Codes
The most capable free EPC QR code generator online. Fully compliant, fully customisable, zero cost.
EPC Standard Compliant
QRMint generates EPC QR codes that follow the European Payments Council QR code specification version 002. The encoded payload uses the correct service tag (BCD), character set (UTF-8), identification code (SCT for SEPA Credit Transfer), and field structure. Compatible with banking apps across all 36 SEPA member countries including Germany, Austria, the Netherlands, Belgium, France, and more.
Built-in Payment Frame
Apply the dedicated Payment frame template that adds a professional "SCAN TO PAY" label beneath the QR code. Customize the frame text to say anything you need — "PAY INVOICE", "DONATE HERE", or your company tagline. The frame makes the purpose of the code instantly obvious, increasing scan rates on invoices and at point-of-sale displays.
Logo Embedding
Upload your company logo and it will be centred inside the EPC QR code. Branded payment codes build trust and make your invoices look professional. Use High error correction (30%) to ensure the code remains scannable even with a logo overlay. Supports PNG, JPG, and WebP formats.
Print-Ready Output
Export your EPC QR code at up to 2048×2048 px in PNG format or as an infinite-resolution SVG. Whether you are placing the code on a small invoice footer, a countertop payment sign, or a large event banner, QRMint delivers crisp, sharp output at every size. The generated image is ready for print without any post-processing.
EPC QR Code FAQ
What is an EPC QR code?
An EPC QR code — also called a GiroCode — is a standardised QR code defined by the European Payments Council that encodes SEPA credit transfer details. When scanned with a compatible banking app, the payer’s app automatically pre-fills the beneficiary name, IBAN, BIC, transfer amount, and payment reference. The payer only needs to confirm the transaction. The standard is supported across all 36 SEPA member countries, covering the eurozone and several non-euro EU and EEA nations.
Which banking apps support EPC QR codes?
Most major European banking apps support EPC QR code scanning, including ING, ABN AMRO, Rabobank, Deutsche Bank, Sparkasse, Commerzbank, N26, KBC, BNP Paribas, Belfius, and many others. The feature is typically found in the app’s "Scan to pay" or "QR payment" section. Coverage is strongest in Germany, Austria, the Netherlands, and Belgium, where the GiroCode standard has been widely adopted. Check your bank’s app for EPC or GiroCode support.
Is the IBAN safe in the QR code?
Yes. An IBAN is not a secret — it is the standard account identifier needed for any bank transfer, much like a mailing address is needed to receive post. You already share your IBAN on invoices, contracts, and business correspondence. The EPC QR code simply automates what the payer would otherwise type manually. It does not grant anyone access to withdraw from your account; it only enables them to send money to you.
Can I set the payment amount?
Yes. The amount field is optional in the EPC standard. If you specify an amount, the payer’s banking app will pre-fill it and typically prevent modification — ideal for fixed invoices. If you leave the amount blank, the payer enters their own value before confirming. This is useful for donations, tips, or any scenario where the payment amount varies. The supported range is €0.01 to €999,999,999.99.
Is the EPC QR code generator free?
Yes, completely free. QRMint’s EPC QR code generator requires no signup, no API key, and no payment. You can generate unlimited EPC QR codes with full customisation — colours, gradients, logo embedding, frame templates, and high-resolution output. There are no watermarks, no usage limits, and no premium tier. The tool is free forever.
Need other QR code types? QRMint also generates URL, vCard, WiFi, Email, Phone, SMS, Event, and Location QR codes — all free, no signup, with the same full styling options.