EPC QR code

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الموسوعة الحرة

The European Payments Council (EPC) Quick Response (QR) code is a technical standard by the European Payments Council. It uses a QR code containing all the necessary information for initiating a SEPA credit transfer (SCT). It is commonly used on invoices and payment requests in the countries that support it (Austria, Belgium, Finland, Germany, The Netherlands).

The EPC guidelines[1] are available from the EPC itself. Another version[2][3] has also been published by the Federation of Finnish Finance Services (FFI).

EPC QR code sample
EPC QR code to pay €1 to the Belgian Red Cross
EPC QR code to pay €1 to the Austrian Red Cross

Sample content of QR Code

Service Tag:BCD
Version:001
Character set:1
Identification:SCT
BIC:BPOTBEB1
Name:Red Cross
IBAN:BE72000000001616
Amount:EUR1
Reason (4 chars max):CHAR
Ref of invoice:Empty line or REFINVOICE
Or text:Urgency fund or Empty line
Information:Sample EPC QR code

So the QR string could be

BCD 001 1 SCT BPOTBEB1 Red Cross BE72000000001616 EUR1 CHAR Urgency fund Sample EPC QR code

History

In 2012, the Austrian payment facilitator STUZZA[4] (now part of PSA Payment Services Austria) defined the content of a QR code that could be used to initiate money transfers within the Single Euro Payments Area.

In February 2013, the European Payments Council (EPC) published the document 'Quick Response Code: Guidelines to Enable Data Capture for the Initiation of a Credit Transfer'. [5]

These guidelines were quickly adopted by the Austrian banks. These QR code can be recognised thanks to the words "Zahlen mit Code" (Pay with Code) on the right.[6]

These guidelines were later on used in Finland in 2015,[7] Germany in 2015[8] and the Netherlands [9] in 2016.

See also

References

  1. ↑EPC guidelines V 3.1
  2. ↑"Federation of Finnish Finance Services guidelines"(PDF). Archived from the original(PDF) on 2017-08-15. Retrieved 2017-08-15.
  3. ↑Internet Archive version of Federation of Finnish Finance Services guidelines
  4. ↑"Stuzza - Studiengesellschaft für Zusammenarbeit im Zahlungsverkehr GmbH" (in German).
  5. ↑"Quick Response Code Guidelines to enable data capture for the initiation of a sepa credit transfer". In February 2013, the European Payments Council (EPC) published the document 'Quick Response Code: Guidelines to Enable Data Capture for the Initiation of a Credit Transfer'
  6. ↑PSA "Zahlen mit code"
  7. ↑"Guidelines from the FFI"(PDF). Archived from the original(PDF) on 2017-08-15. Retrieved 2017-08-15.
  8. ↑Girocode in Germany
  9. ↑free EPC QR code for EU