The EPC QR Code is a standardized SEPA QR code format defined by the European Payments Council (EPC).
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It contains the IBAN, BIC, payment reference, and amount.
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Customers simply scan it with their banking app to initiate a SEPA Credit Transfer automatically.
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This avoids errors from copy-pasting IBANs and ensures references are filled in correctly (important for reconciliation).
It’s widely accepted across Europe, especially in countries where mobile banking apps are the primary way people interact with their bank.
💡 How Yowpay Increases Conversion with EPC QR Support
Most payment providers focus only on Open Banking (PIS). But the reality is:
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Some banks block or throttle APIs
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Not all customers trust redirect flows
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Many prefer a simple scan-and-pay option
By adding EPC QR Codes alongside Open Banking and Manual SEPA, Yowpay ensures every customer finds a method they’re comfortable with.
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Customers on mobile → scan the QR
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Customers who don’t want redirects → manual SEPA
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Customers who like instant flows → Open Banking PIS
👉 This multi-rail approach boosts acceptance by up to 50% compared to Open Banking alone.
🌍 Top European Countries Using EPC QR Code Payments
EPC QR is gaining traction across Europe, but adoption is strongest where mobile banking penetration is high. Key countries include:
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Germany 🇩🇪 – Strong adoption through Sparkassen, Volksbanken, and other major banks
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Netherlands 🇳🇱 – QR codes widely used alongside iDEAL
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Belgium 🇧🇪 – Banks like KBC and Belfius actively promote QR flows
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Finland 🇫🇮 – High mobile banking usage, QR codes common
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Austria 🇦🇹 – EPC QR integrated in many bank apps
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Italy 🇮🇹 – Growing adoption, especially for bills and invoices
Other countries (like France and Spain) are catching up as mobile-first payments expand.
✅ In short: EPC QR Codes make SEPA payments faster, easier, and error-free. By supporting this rail, Yowpay captures the users other providers lose — driving higher conversion.