What is an EPC QR Code?

What is an EPC QR Code?

EPC QR Codes, also known as GiroCodes, are widely used QR codes for initiating SEPA credit transfers. It's the fastest way to share your payment information with a third party.

An example GiroCode which donates to the Austrian Red Cross

European Payments Council Standard

The European Payments Council Quick Response Code, also known as GiroCode, is a standardised QR code for initiating money transfers within the Single Euro Payments Area (SEPA). It is currently in use in Austria, Finland, Germany, the Netherlands and Belgium. It all started in Austria with the first QR code specification and was quickly adopted by most Austrian banks. In 2013, the European Payments Council published the EPC QC Code guidelines for use across Europe.

Plaintext content

The QR code itself consists only of plain text data such as an IBAN or the amount to be paid. It allows millions of Europeans to pay bills without having to manually type the required information into banking software, which also leads to a lower error rate.

How to generate a code?

With APIstax, it is a one-line statement to call the EPC QR Code API.


To create a simple EPC QR code, try the following instruction.

curl -X GET https://api.apistax.io/v1/epc-qr-code?iban=AT000000000000000000&recipient=Company \
    -H 'Authorization: Bearer API_KEY_HERE'

For more information on how to generate a code, see the documentation.

Where to use it?

Add it to your bills, create invoices with EPC QR Codes or generate a code with a mobile device in an instant. Wherever you need to add your payment details, it's the easiest and fastest way to do it. And in our experience, you actually benefit from more bills being paid on time.