Let people pay you by scanning: their bank app fills in your IBAN, the amount and the reference.
An EPC QR code carries the details of a SEPA credit transfer, so a bank app fills in the payment instead of the payer typing an IBAN by hand. QRtor builds the code in your browser and verifies the account number first; it does not process payments and is not a banking service.
https://qrtor.net
Apps across the SEPA area that support the EPC format, which most European banks now do. Support is not universal, so scan your own code with your bank app before printing a run.
No. The EPC format only covers SEPA credit transfers in euro. A valid IBAN from outside the area is refused here rather than encoded, because that code would scan and then be declined at the bank.
An IBAN carries a checksum, which is verified before any code is created. That catches every single mistyped character and every swap of two neighbouring digits, so a typo cannot reach a printed code.
No. The code is built in your browser and the details never leave your device — check the network tab if you like. QRtor only encodes what you enter and does not process payments.
Yes. An empty amount lets the payer enter it themselves, which suits donation cards and open invoices. Everything else stays prefilled.
A payment code holds at most 331 bytes, well under the general ceiling, and that budget covers every field together. Cyrillic and Greek cost two bytes per character, so a payment reference that looks well inside its 140-character limit can still overflow the code — the generator checks the byte total, not the character count. Only euro amounts are carried, between 0.01 and 999999999.99.
Bank apps across the SEPA area read the format, and most European banks now support it, but this is the one QR type where support is a bank decision rather than a phone feature. A camera app alone will usually show the raw text instead of offering to pay. Scan your own finished code with the bank app your payers use before committing to a print run.
Invoices and receipts are read at arm's length, so 25 to 35 mm is usually enough; a donation card on a wall needs the width to match the reading distance. Thermal receipt paper is the hard case, printing at low contrast and fading with heat, so give payment codes extra width there and keep a printed IBAN beside the code for anyone whose bank app cannot scan it.