EPC QR Code Generator – EPC069-12 Standard

EPC069-12 Payload Structure

The EPC069-12 payload is a line-based text format with exactly 11 lines. Each line has a fixed meaning – empty lines are allowed for optional fields:

BCD                      ← Service Tag
002                      ← Version
1                        ← Character Set (1=UTF-8)
SCT                      ← Identification Code (SEPA Credit Transfer)
                         ← BIC (optional, leave empty)
Max Mustermann           ← Name (max 70 characters)
DE89370400440532013000   ← IBAN
EUR99.99                 ← Amount (EUR + amount, e.g. EUR99.99)
                         ← Purpose Code (leave empty)
                         ← Remittance Info (structured, leave empty)
Invoice 2026-001         ← Payment Reference (max 140 characters)

Versions 001 vs. 002

Version 001 requires a BIC, Version 002 makes BIC optional. Recommended: Version 002 for new implementations. Most banking apps accept both versions. With Version 002, the BIC line can be left empty, as the SEPA network identifies the bank from the IBAN.

Error Correction Level

EPC069-12 recommends Level M (15% recovery) for digital display on screens. For printing on invoices or posters, Level H (30% recovery) is recommended for better readability – even if the QR code is slightly damaged or dirty.

JavaScript Implementation Example

This function generates a valid EPC069-12 payload that can be rendered directly with a QR code library (e.g. qrcode or qr-code-styling):

function buildEPCPayload({ name, iban, bic = '', amount, purpose = '' }) {
  const amountStr = amount ? 'EUR' + Number(amount).toFixed(2) : '';
  return [
    'BCD',       // Service Tag
    '002',       // Version
    '1',         // Character Set (UTF-8)
    'SCT',       // SEPA Credit Transfer
    bic.trim(),  // BIC (optional)
    name.trim().slice(0, 70),
    iban.replace(/\s+/g, '').toUpperCase(),
    amountStr,   // EUR + amount or empty
    '',          // Purpose Code (empty)
    '',          // Structured Remittance Info (empty)
    purpose.trim().slice(0, 140)
  ].join('\n');
}

Frequently Asked Questions