SEPA Payment QR Generator

In short An EPC069-12 code — the SEPA credit transfer QR, also called a GiroCode — is the simplest payload in this family: twelve lines of plain text separated by newlines, with no checksum and no encoding beyond UTF-8. The lines are the service tag BCD, the version, the character set, the identification SCT, the BIC, the beneficiary name, the IBAN, the amount written as EUR12.30, a purpose code, a structured reference, an unstructured reference and a note. Version 002 made the BIC optional, which is why most modern codes leave that line empty. The whole payload is capped at 331 bytes. Because nothing in the format is verifiable, the only real check available is the IBAN's own mod-97 check digits — and this page runs it, because an EPC code with a mistyped IBAN scans perfectly and fails at the bank, which is the worst place to find out.