Is it safe to share an IBAN in a QR code?

The IBAN appears on every invoice and bank receipt. Sharing it in a QR code to facilitate transfers carries no more risk than including it in a PDF invoice.

Does the payment QR work with all banking apps?

The EPC QR format is compatible with the main banking apps in Spain and Europe (BBVA, Santander, CaixaBank, ING, Bankinter). PayPal works with its own app or any browser.

Can I set a fixed amount in the payment QR?

Yes, in EPC QR and in PayPal (paypal.me/yourname/amount). Useful for charging fixed-price services like classes, workshops or tickets.

Do I need a Pro plan to create a payment QR?

No. A payment QR is a URL-type QR and the static version is completely free. You only need a [Pro plan](/en/precios) if you want a [dynamic QR](/en/generador-codigos-qr/dinamicos) so you can update payment details without reprinting.

paymentsbank-transferpaypal

QR Code for Payments: Receive Bank Transfers and PayPal Without Typing

The customer scans and their banking app or PayPal opens with your details pre-filled, no dictating numbers

3 de julio de 20265 min de lectura

A payment QR code encodes the data needed for the customer to start a transfer or payment without typing anything. Depending on the method (SEPA transfer, PayPal), the QR opens the app directly with the fields already filled in.

How does a SEPA bank transfer QR code work?

The EPC QR standard (used across Europe) encodes IBAN, beneficiary name, amount and reference. Compatible with most major banking apps in Spain and Europe.

The EPC QR format (European Payments Council QR Code) is the standard for bank transfers in Europe. It encodes:

- BIC of the receiving bank
• Beneficiary IBAN
• Beneficiary name
• Amount (optional)
• Payment reference

How to create it: 1. Go to the QR generator 2. Select the URL type 3. Build the URL using the EPC QR format (or use a dedicated EPC QR generator)

When scanned, most major banking apps (BBVA, Santander, CaixaBank, ING) recognise the format and pre-fill the transfer. The user only needs to confirm.

How do you create a PayPal QR code to receive payments?

The PayPal QR encodes your personal payment link (paypal.me/yourname). When scanned, the customer lands on a PayPal payment screen with your account pre-selected.

PayPal offers a personal payment link (paypal.me/yourname) that any PayPal user can use to send you money. Creating the QR is straightforward:

1. Get your paypal.me link from your PayPal account settings 2. Open the QR generator 3. Paste your paypal.me link and download the QR

Advanced options:
• paypal.me/yourname/15 goes directly to a payment screen for 15 euros
• paypal.me/yourname?currencyCode=EUR specifies the currency

The customer who scans sees your name and can enter the amount (or the amount is pre-set). Works with the PayPal app or in a browser.

What landing page should the payment QR link to?

A simple page showing the payment method, account details and a copy button. Adding a contact form increases trust and reduces abandoned payments from first-time customers.

The simplest option is a page with:

- Your name or business name
• The payment method (bank transfer, PayPal)
• Account details with a 'Copy' button
• A brief explanation of what the payment is for

For service businesses, a contact form alongside the payment details helps first-time customers who want to ask a question before paying.

With a dynamic QR, you can update the payment destination without reprinting. Useful if you change bank accounts or want to rotate between payment methods.

Which businesses benefit most from a payment QR code?

Markets, food trucks, freelancers who invoice in person, home service providers and any business without a fixed card terminal. Cuts collection time and eliminates IBAN dictation errors.

Use cases by business type:

Markets and fairs: the QR next to the price avoids change and errors when dictating the IBAN. The seller can move to the next customer while the first is paying.

Freelancers: the QR on the printed invoice lets the client pay immediately without looking up bank details. Ideal for plumbers, electricians, designers.

Home services: the technician shows the QR on their phone when the job is done. The client pays on the spot without the technician carrying a card terminal.

Restaurants: alongside the digital menu QR, a payment QR completes the contactless circuit. Check the online store guide for the full digital flow.

§CODIGO-QR.ES / PRO

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Preguntas frecuentes

Is it safe to share an IBAN in a QR code?: The IBAN appears on every invoice and bank receipt. Sharing it in a QR code to facilitate transfers carries no more risk than including it in a PDF invoice.
Does the payment QR work with all banking apps?: The EPC QR format is compatible with the main banking apps in Spain and Europe (BBVA, Santander, CaixaBank, ING, Bankinter). PayPal works with its own app or any browser.
Can I set a fixed amount in the payment QR?: Yes, in EPC QR and in PayPal (paypal.me/yourname/amount). Useful for charging fixed-price services like classes, workshops or tickets.
Do I need a Pro plan to create a payment QR?: No. A payment QR is a URL-type QR and the static version is completely free. You only need a [Pro plan](/en/precios) if you want a [dynamic QR](/en/generador-codigos-qr/dinamicos) so you can update payment details without reprinting.

Jose Flores

Fundador de codigo-qr.es · codigo-qr.es

Jose Flores es fundador de codigo-qr.es, herramienta de generación de QR dinámicos y códigos de barras creada en Barcelona en 2026. Especializado en soluciones digitales para pequeños negocios, desarrolla herramientas que permiten a restaurantes, comercios y profesionales digitalizar su comunicación sin infraestructura técnica propia.

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