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EPC QR Code (GiroCode) for SEPA Transfers
The camera app can scan this. The Zebra app can scan this.
The EPC QR Code lets you pay an invoice by scanning instead of typing an IBAN. It holds the payee name, IBAN, amount and reference in a short text block, and your banking app fills in the transfer for you to confirm.
Also called GiroCode, EPC QR, SEPA QR code, Scan2Pay, BCD QR.
In this family
Specifications
| Standard | EPC069-12 'Quick Response Code: Guidelines to Enable Data Capture for the Initiation of a SEPA Credit Transfer' (European Payments Council) |
|---|---|
| Character set | Line-separated text: BCD, version 001/002, charset, SCT, BIC, name, IBAN, amount (EUR), purpose, remittance |
| Capacity | Max. 331 bytes payload (QR version 13 max.) |
| Error correction | QR error correction level M (mandated) |
| Dimension | 2D matrix |
| Origin | European Payments Council; 'GiroCode' is the name used in Germany/Austria |
Where it is used
Invoices, utility bills, donation appeals in the euro area (SEPA credit transfer)
People use it for invoices, utility bills, donation appeals in the euro area (SEPA credit transfer).
Payment happens in a bank or wallet app. This app only returns the text. It does not pay.
Example
BCD\n002\n1\nSCT\n\nRed Cross of Belgium\nBE72000000001616\nEUR1\nCHAR\n\nUrgency fund
Scan and create
Create this code opens the barcode generator with this symbology and the sample text filled in.
The camera app can scan this and shows it as QR Code. It returns the raw text. It does not open links, look up products, or start a payment. The desktop companion types that text into the focused field.
The Zebra app can scan this. It returns the raw text.