EPC QR code

The European Payments Council Quick Response Code guidelines define the content of a QR code that can be used to initiate SEPA credit transfer (SCT).

These QR code guidelines are used on many invoices and payment requests in the countries that support it (Austria, Belgium, Finland, Germany, The Netherlands) enabling tens of millions to pay without requiring manual input leading to lower error rates.

Another version[2][3] has also been published by the Federation of Finnish Finance Services (FFI).

So the QR string could be 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'.