Create a Free EPC Payment
Create unlimited professional EPC Payments - completely free.
Design QR codes with logo, colors & shapes Unlimited scanning and never expire
➽ Download in SVG, JPG, PNG and WEBP formats.
Create professional QR codes for websites, WiFi, contacts, payments and more for free. 16+ types available - with logo, colours and all formats. No account required!
💡 Tip: Always test your QR code
Always test your QR code before printing or downloading it by scanning it with your smartphone camera. Check if the correct information is displayed. This way you prevent errors and extra work afterwards.
⚠️ Important: Not all banks support EPC QR codes
EPC QR codes don't work automatically at all European and US banks. In Europe, support varies widely by country and bank. Many major banks still don't support the standard, requiring customers to manually enter payment details.
What is an EPC/SEPA QR code?
An EPC QR code (European Payments Council) is a standardized QR code for SEPA bank transfers within Europe. The code contains your IBAN, BIC, amount and payment reference. With supported banks, the banking app opens automatically with all details filled in - customers only need to confirm.
Important limitation: Not all banks support EPC QR codes. Support varies significantly across Europe. With unsupported banks, customers only see text that they must manually copy - much less user-friendly than UPI (India) or PIX (Brazil) where all banks participate.
How do you create an EPC/SEPA QR code?
In 4 steps you enable European bank transfers:
1. Enter IBAN and BIC
Fill in your IBAN bank account (e.g. GB## BANK #### #### ##) and BIC/SWIFT code (8 or 11 characters) where you want to receive SEPA payments.
2. Amount and reference
Add an amount in euros and a payment reference (invoice number, customer ID) for clear identification of payments.
3. Personalize QR code
Add your company logo, choose brand colors and select a bank/payment frame (🏦) for professional recognition.
4. European SEPA payments
Customers with supported banks scan and see payment details automatically - others must manually copy.
Benefits of EPC/SEPA QR codes
- ✅ Low costs - SEPA transfers often free or few cents, much cheaper than PayPal (3.4%) or credit cards (2-4%)
- ✅ Europe-wide - Works in 36 SEPA countries (EU + Iceland, Norway, Switzerland, etc.)
- ✅ Large amounts - No PayPal limits, ideal for B2B invoices €1000+
- ✅ Direct to bank - No intermediaries, money directly to your account
- ⚠️ Limited adoption - Only supported banks open automatically, varies widely by country
- ⚠️ Slower settlement - SEPA transactions take 1-3 business days, not instant like UPI/PIX
🔍 What happens when scanning an EPC QR code?
✅ With supported banks
Banking app opens automatically with IBAN, amount and reference already filled in. Customer sees a preview and only needs to press "Pay" - user-friendly and fast.
⚠️ With unsupported banks
Only plain text appears with IBAN, BIC, amount and reference that must be manually copied and pasted (or retyped) into the banking app - cumbersome and error-prone.
💼 Perfect for:
🧾 B2B invoices & payments
Business invoices, services, large amounts - SEPA is cheaper than PayPal for €500+ transactions. Ideal for customers with supported banks.
🇪🇺 European customers
International trade within SEPA zone (36 countries) - no SWIFT costs, standard IBAN transfers via QR code.
💰 Large amounts avoid fees
For €1000+ invoices: SEPA (free) vs PayPal (€34 fee) or credit card (€20-40 fee). Significantly cheaper for large transactions.
🏦 Bank-preferring customers
Customers who prefer to pay directly via their own bank rather than via PayPal, credit card or other third-party services with fees.
📄 Modernize paper invoices
Print EPC QR code on invoices - customers can pay by scanning instead of manually typing IBAN (if supported bank).
🎗️ Donations & crowdfunding
Non-profits, charities - SEPA donations without PayPal fees. Do check if target audience uses supported banks.
❓ Frequently asked questions about EPC/SEPA QR codes
Which banks support EPC QR codes? ▼
What happens with banks that don't support EPC QR codes? ▼
Are EPC QR codes the same as SEPA QR codes? ▼
How much do SEPA payments via EPC QR code cost? ▼
How long does a SEPA payment via EPC QR code take? ▼
Can I change my IBAN or amount later in the EPC QR code? ▼
Why don't all banks support EPC QR codes? ▼
🏦 Bank compatibility varies
Support varies by country:
- 🇩🇪 Germany - Better adoption
- 🇦🇹 Austria - Good support
- 🇨🇭 Switzerland - Some banks
- 🇳🇱 Netherlands - Limited (ING, Bunq)
- 🇫🇷 🇪🇸 🇮🇹 Other EU - Varies widely
💡 Pro tips for EPC/SEPA QR codes
IBAN validation: Use a valid IBAN with correct BIC/SWIFT code. Check on ibancalculator.com if your IBAN is correct before making QR code.
Clear payment reference: Add invoice number, customer ID, or order number so you can automatically match payments in accounting.
Check customer banks: Ask customers which bank they use. If unsupported: offer PayPal or other instant payment as alternative.
Test with multiple banks: Try your EPC QR code with different banking apps to see the difference in support.
Communication: Mention on invoice which banks support automatic scanning so expectations are clear.
💰 SEPA payment benefits
- 🇪🇺 All Europe - 36 SEPA countries (EU + Switzerland/Norway/Iceland)
- 💸 Almost free - €0-0.50 vs PayPal €34 on €1000
- 🏦 Direct to bank - No intermediaries, own account
- 💰 Large amounts - No €5000 PayPal limit
- 🔒 Bank security - Highest security level
- 📄 Official invoices - SEPA = professional
🔗 More reliable alternatives
✨ Ready for European SEPA payments?
EPC QR codes make SEPA payments easier for customers with supported banks. Low costs, direct bank transfers within Europe!
⚠️ Note: Bank support varies widely. Consider PayPal or instant payment as alternative for universal compatibility.