Guide
EPC QR codes on invoices.
A QR code on your invoice that fills in the customer's bank transfer automatically. No payment processor, no fees, no friction.
Last updated: June 4, 2026
What is an EPC QR code?
EPC stands for European Payments Council. An EPC QR code is a standardized QR code format (EPC069-12) that encodes SEPA credit transfer instructions. When a customer scans it with their banking app, the transfer is pre-filled with:
- Your IBAN (bank account number)
- Your business name (beneficiary)
- The invoice amount
- The payment reference (invoice number)
The customer confirms the transfer in their banking app. That's it. No credit card processing, no payment gateway, no transaction fees from a third party.
How it works.
Step 1
Create invoice
Your invoicing tool generates the EPC QR code automatically from your IBAN, amount, and invoice number.
Step 2
Customer scans
The customer opens their banking app's QR scanner and points it at the code on the PDF or printed invoice.
Step 3
Confirm and pay
The transfer is pre-filled. The customer verifies the details and confirms. Done. Bank-to-bank, no intermediary.
Why EPC QR codes matter.
Faster payments
Scanning a QR code takes seconds. Manual bank transfers require typing an IBAN, amount, and reference. Each manual step is a chance for delay. QR codes remove friction and get you paid faster.
Zero errors
Customers mistype IBANs, forget payment references, or enter the wrong amount. With an EPC QR code, every field is machine-filled. No typos, no mismatched references, no partial payments from digit errors.
No transaction fees
EPC QR codes trigger standard SEPA credit transfers. No payment processor, no 2-3% credit card fees, no gateway costs. Bank-to-bank with standard SEPA pricing (often free for domestic EUR transfers).
Broad bank support
Most European banks support EPC QR scanning in their mobile apps. ING, ABN AMRO, Rabobank, KBC, Deutsche Bank, Sparkasse, and many others. The standard is backed by the European Payments Council.
Technical details.
EPC QR in InvoiceScript.
InvoiceScript generates EPC QR codes automatically on every EUR invoice. No configuration beyond entering your IBAN in business settings. The QR code appears on the PDF, positioned in the payment details section.
The QR code is generated server-side using the EPC069-12 v002 specification. It encodes your IBAN, business name, invoice amount, and invoice number as the payment reference. Non-EUR invoices do not show a QR code (the standard only supports EUR).
All three PDF templates include the QR code. It renders at a size that scans reliably from both screen and print.
Payment QR codes included
Scan, pay, done.
EPC QR codes on every EUR invoice. No payment processor needed.