QR code generator (ASCII & PNG) for SEPA payments

What is this?

This tool makes it easier for people (in Europe) to pay with bank transfers. It does not serve as a payment gateway or anything similar. It does no payment verification at all, it simply provides the necessary payment information in a QR code, which may be scanned by the person who wants to pay.

The QR code contains the information necessary for a bank transaction in the form of a SEPA credit transfer. It can be used to prefill the transaction form if your banking app supports payment by QR code.

The process of generating the QR code is entirely local and offline. It can be printed in ASCII in the terminal, or exported as a PNG for inclusion in eg. a web page or a mail.

One QR code can be used without limit, but will always contain the same payment information: amount, remittance message, destination account. More than one person can scan the same code to pay the same amount (eg. split a bill with friends), or one person can scan the code on a recurring base (eg. you pay your internet invoice every month and it's a fixed price)

Install

$ go install github.com/jovandeginste/payme@latest

Usage:

Generate SEPA payment QR code

Usage:
  payme [flags]

Flags:
      --amount float        Amount of the transaction
      --bic string          BIC of the beneficiary
      --character-set int   QR code character set (default 2)
      --debug               print debug output
      --file string         write code to file, leave empty for stdout
  -h, --help                help for payme
      --iban string         IBAN of the beneficiary
      --name string         Name of the beneficiary
      --output string       output type: png or stdout (default "stdout")
      --purpose string      Purpose of the transaction
      --remittance string   Remittance (message)
      --structured          Make the remittance (message) structured
      --qr-version int         QR code version (default 2)

You can set some default values in your ENV, eg.:

export PAYME_IBAN=DE71110220330123456789
export PAYME_NAME="Franz Mustermänn"
export PAYME_BIC=BHBLDEHHXXX

Generate QR code as text, print on the console:

$ payme \
  --name "Franz Mustermänn" \
  --iban "DE71110220330123456789" \
  --amount 12.3 \
  --remittance "RF18539007547034"

Generate QR code as png, save as file:

$ payme \
  --name "Franz Mustermänn" \
  --iban "DE71110220330123456789" \
  --amount 12.3 \
  --remittance "RF18539007547034" \
  --output png \
  --file QR.png

Support

Please provide feedback if your banking app supports or does not support these QR codes.

The QR code is tested with the mobile apps of these banks:

Belgium

Bank	Support
Belfius	Yes
Fortis	Problems with characters in the remittance
KBC	Yes

References

• https://en.wikipedia.org/wiki/Single_Euro_Payments_Area
• https://en.wikipedia.org/wiki/EPC_QR_code
• https://epc-qr.eu/