Online SEPA Credit Transfer
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 3.0 (13 September 2022) 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 RIPEMD hash), to meet EU privacy laws (GDPR).
An exception is made for violations, which are stored unencrypted to enable appropriate actions.
All these loggings are permanently deleted on daily basis and never shared to anyone.
The whole website is totally Cookie Free, so again complies with the EU law (ePD).
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.
Commercial use with such a key is also possible for a small symbolic fee of 1ct (or less with discount) per generated QR-code.
In exchange you can use the High Availabiliy cluster for API calls and support the developer at the same time.
Any requests, questions, comments or appreciations: email to Free-SCT at this domain
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) 2018-2022 by Menno Kampman.
click on the header logo for the start page
Last change : 4 november 2022