Online SEPA Credit Transfer
free QR-code generator
Legal statement

This website is intended to help European citizen to take advantage of the new Sepa Credit Transfer by means of QR code.
It is not related to any official institute or company, nor approved by the EPC.
Just an implementation of the document 'Quick Response Code: Guidelines to Enable Data Capture for the Initiation of a Credit Transfer'
Version 2.1 (9 February 2016) published by the European Payments Council (EPC) here.

It can be used - free of charge - by private people and small associations by form or by API (Application Programming Interface).
All submitted data is transferred encrypted by means of HTTPS, and therefore not readable by third parties in transit.
The data is only logged for technical reasons to detect abuse, such as high volumes; not typical for people or small associations.
This logging is done with one way encryption (160 bit hash), to meet EU privacy laws.
It will also be permanently deleted on daily basis and never shared to anyone.
The whole website is totally Cookie Free, so again complies with the EU law.

To protect the website against abuse, the maximum number of QR code generations per user/site/IP is 100 per day.
Apply for a free registration key by email, to bypass this abuse protection.

Any questions, comments or appreciations: email to
The QR code library used is based on free software PHP QrCode Library.
PHP implementation of QR Code 2-D barcode generator Copyright (C) 2010-2013 by Dominik Dzienia.
The pure-php LGPL-licensed implementation based on C libqrencode by Kentaro Fukuchi.
Under GNU Lesser General Public License, Version 3, 29 June 2007, Copyright (C) 2007 Free Software Foundation, Inc.
QR Code is registered trademarks of DENSO WAVE INCORPORATED in JAPAN and other countries.
Reed-Solomon code encoder is written by Phil Karn, KA9Q. Copyright (C) 2002, 2003, 2004, 2006 Phil Karn, KA9Q.
Mobile Detection Copyright 2011-2015 by Serban Ghita, Nick Ilyin and contributors.
General SCT implementation, PHP/HTML/CSS/Javacript programming, production, realisation and Copyright (C) 2018-2019 by Menno Kampman.

click on the header logo for the start page

startup: 24 september 2018
syntax defined: 6 october 2018
api start: 7 october 2018
api working: 10 october 2018
form start: 14 october 2018
form working: 16 october 2018
form impoved: 18 october 2018
legal statement: 19 october 2018
form improvements: 21 october 2018
form (IE/Edge problem): 30 june 2019
home click on header: 18 september 2019
auto abuse protection : 6 november 2019
daily logging erasure : 10 december 2019