Payment QR Code Generator
Enter the beneficiary details, IBAN, and amount below. Customize colors and style, then download your payment QR code.
PNG, JPG, or WebP. Logo is embedded in the center of the QR code. Use High error correction for best results.
Your payment QR code will appear here
Enter payment details and click "Generate"
What is an EPC QR Code?
The fastest way to accept bank transfers — without sharing account details verbally or on paper.
An EPC QR code (European Payments Council Quick Response code) encodes all the information needed for a SEPA credit transfer — beneficiary name, IBAN, BIC, amount, and a payment reference — into a scannable pattern that banking apps recognise instantly. When a payer scans the code with their mobile banking app, every field is pre-filled automatically. They only need to confirm the transfer with their PIN or biometric. No manual IBAN entry, no transposed digits, no failed payments.
The underlying payload follows the EPC069-12 standard and looks like a structured text block starting with
BCD (the service tag), followed by version, character set, identification code, and the payment
details. QRMint builds this payload for you automatically from the fields above and wraps it in a fully
customisable QR image you can download as PNG or SVG at up to 2048×2048 px — sharp enough
for any printed invoice or checkout display.
You can also use our free REST API to generate payment
QR codes programmatically. A single GET request with the EPC payload as the data parameter is
all it takes, making it easy to add payment QR codes to invoicing systems, e-commerce receipts, or
point-of-sale terminals. No API key is ever required.
When to Use a Payment QR Code
Anywhere customers, clients, or donors need to send money quickly — without fumbling with account numbers.
Invoices & Bills
Add a payment QR code to your printed or digital invoices and let clients pay with a single scan. The beneficiary name, IBAN, amount, and invoice reference are pre-filled in their banking app — reducing payment errors and cutting the average days-to-pay. Works on PDF invoices, email attachments, and paper statements alike.
Point of Sale
Display a payment QR code at your checkout counter for contactless bank transfers. Customers scan with their banking app and confirm — no card terminal fees, no cash handling. Ideal for small businesses, service providers, and professionals who want to offer a modern payment experience without expensive hardware.
Charities & Donations
Print payment QR codes on flyers, websites, and event banners to collect donations instantly. Supporters scan the code, see the pre-filled amount and your organisation name, and confirm the transfer in seconds. Remove the friction between the impulse to give and the actual payment.
Rent & Utilities
Include a payment QR code on monthly rent statements or utility bills. Tenants and customers scan to pay the exact amount with the correct reference every time — no more mismatched payments or missing references that delay reconciliation. Simplify your accounts receivable process.
Market Stalls & Pop-ups
Accept bank transfers at farmers markets, flea markets, and pop-up shops where card terminals are unavailable or impractical. Print a payment QR code with your details and display it next to your products. Customers pay from their phone while you focus on serving the next buyer.
How to Create a Payment QR Code
Three steps. Under a minute. No account needed.
1. Enter Payment Details
Fill in the beneficiary name, IBAN, BIC (optional), amount, and a payment reference or remittance text. The amount field is optional but recommended — it ensures your customers pay the exact figure without rounding errors or guesswork.
2. Customise the Design
Pick colours that match your brand, choose a module shape, and optionally apply the "Payment" frame template for a professional "SCAN TO PAY" label. Upload your business logo to embed it in the centre of the code.
3. Download & Display
Download as PNG (ideal for digital invoices and screens) or SVG (perfect for large-format print). Add the QR code to your invoices, display it at your checkout counter, or embed it on your website.
Why Use QRMint for Payment QR Codes
The most capable free payment QR code generator. No limits, no account, no catch.
Fully Custom Styling
Choose from four module shapes, four eye shapes, and unlimited foreground and background colour combinations including linear and radial gradients. Your payment QR code matches your brand identity, not a generic black square.
Payment Frame Template
Apply the dedicated "Payment" frame to add a professional label beneath the QR pattern. Customise the frame text (e.g. "SCAN TO PAY" or "PAY HERE") so customers immediately know what the code does.
Logo Embedding
Upload your business logo (PNG, JPG, or WebP) and it will be centred inside the QR code. Use High error correction to keep the code scannable. Ideal for branded invoices, receipts, and checkout displays.
Print-Quality Output
Export up to 2048×2048 px PNG or infinite-resolution SVG. Your payment QR code stays crisp on everything from a small receipt to a large-format poster at your point of sale.
Payment QR Code FAQ
What is an EPC QR code?
An EPC QR code is a standardised QR code format defined by the European Payments Council (EPC069-12) for initiating SEPA credit transfers. It encodes the beneficiary name, IBAN, BIC, transfer amount, and a payment reference into a machine-readable pattern. When scanned by a compatible banking app, all payment fields are pre-filled automatically so the payer only needs to confirm the transaction. The standard is widely adopted across the SEPA zone covering 36 European countries.
Which banks support EPC QR codes?
Most major European banks support EPC QR codes in their mobile banking apps, including institutions in Germany, Austria, the Netherlands, Belgium, Finland, and many more SEPA member countries. Banking apps that support QR code scanning will recognise the EPC format and pre-fill the transfer details. Some banks label the feature as "QR payment," "scan to pay," or "GiroCode" (a German implementation of EPC). Check your specific banking app for QR scanning functionality.
Is the payment QR code secure?
The payment QR code contains read-only data — it simply pre-fills the transfer form in the payer's banking app. The payer must explicitly confirm the transaction using their PIN, fingerprint, or face recognition before any money is transferred. The QR code cannot initiate a payment on its own. It is equivalent to sharing your IBAN on an invoice, but in a machine-readable format that eliminates manual entry errors.
Can I set a fixed amount in the QR code?
Yes. The amount field is optional per the EPC standard, but you can and should set it when the payment total is known in advance — for example on an invoice or a fixed-price product. When set, the banking app pre-fills the amount and the payer cannot accidentally change it. If you leave the amount blank, the payer will need to enter it manually, which is useful for variable donations or tip jars.
Does the payment QR code work outside Europe?
The EPC QR code standard is designed specifically for SEPA credit transfers within the European payments area. Outside Europe, different QR-based payment standards exist: UPI QR codes are the standard in India, PIX QR codes are used in Brazil, and many Asian markets use platform-specific QR payments (Alipay, WeChat Pay). These alternative systems typically encode a URL or platform-specific payload rather than bank account details. QRMint's EPC generator is optimised for the European standard.
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.