SEPA QR payment generator
Turn a name, IBAN and amount into a scannable SEPA (EPC069-12) payment QR code.
SEPA QR payment generator
Paste in a recipient name and IBAN, add an amount if you want the payer's banking app to pre-fill it, and this tool builds the exact character string defined by the European Payments Council's EPC069-12 standard — the format behind Germany's GiroCode and every SEPA payment QR code that a mobile banking app can scan straight into a transfer. The result renders as a QR code you can put on an invoice, a poster or a receipt.
Recipient name and IBAN are the only required fields. The IBAN is checked structurally and with the ISO 7064 mod-97 checksum — the same test a bank runs — so a typo is caught before it becomes an unscannable code. BIC is optional: SEPA has not required it for transfers within the SEPA area since 2016, but you can still include one for banks or apps that expect it. Amount is optional too — leave it at zero for a code the payer fills in themselves, useful for donation boxes or variable invoices. The reference field switches between an unstructured note (up to 140 characters, shown as free text) and a structured creditor reference (up to 35 characters); only one is ever written into the code, matching the standard. A separate message field and a four-character purpose code round out the optional data.
Every field is checked against its exact EPC069-12 length limit, and the whole payload against the standard's 331-byte ceiling — go over it and the tool reports which field to shorten rather than producing a QR code that scanners can't read. Error correction level and QR size are adjustable for print use; higher correction survives a smudged or partly obscured code at the cost of a denser pattern.
Everything — validation, the mod-97 check and the QR rendering — runs locally in your browser. No payment detail is ever uploaded anywhere. Copy the raw payload as text, download the QR as an SVG or PNG, or generate a fresh one the moment you change a field.