Quick Response Code: Guidelines to Enable Data Capture for the Initiation of a SEPA Credit Transfer

This document sets out general guidelines for the use of a Single Euro Payments Area (SEPA) wide quick response (QR) code to enable the data capture for the initiation of a SEPA Credit Transfer (SCT).

This document is of an informative nature and describes how the data capture prior to the initiation of an SCT can be made by means of a two-dimensional (2D) barcode. 

These specific QR code guidelines do fit for certain payment use cases (e.g., in paper-based invoices together with the payment data from the QR code also shown in plain text in the invoice), but are not suitable in other payment use cases (e.g., in Point-of-Interaction (POI) situations where only the QR code is shown to the payer). 

For payment use cases whereby the Beneficiary would only present a QR code to the Originator at a POI (e.g., at a payment terminal in a shop, in the shopping cart purchase webpage of an online merchant), the Beneficiaries concerned are advised to consult the document EPC 024-22 ‘Standardisation of QR codes for Mobile Initiated SEPA (Instant) Credit Transfers’ and other related documents published by the ad-hoc EPC Multi-Stakeholder Group for Mobile Initiated SEPA Credit Transfers.

Document download