---
title: "SEPA credit transfer (EPC) — QR for Laravel | Roundly"
description: "EPC069-12 v3.1 SEPA credit-transfer codes (GiroCode) — arguments, charsets, BIC rules and parsing scanned payloads."
url: https://roundly-consulting.com/open-source/docs/qr-for-laravel/sepa-transfers
language: en
---

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# SEPA credit transfer (EPC)

EpcPayment implements EPC069-12 v3.1, the SEPA credit-transfer QR code (often called GiroCode). Amounts are money-for-laravel Money values — exact minor units, no floating-point rounding:

```php
use RoundlyConsulting\Money\Money;
use RoundlyConsulting\Qr\Enums\{EpcCharset, EpcVersion};
use RoundlyConsulting\Qr\Payloads\Payments\Epc\EpcPayment;

$svg = Qr::epc(new EpcPayment(
    name: 'Roundly Consulting s.r.o.',
    iban: 'SK46 1100 0000 0029 4714 7960',
    bic: 'TATRSKBX',                        // optional for EEA IBANs in version 002
    amount: Money::ofMinor(12550, 'EUR'),   // EUR only, 0.01 – 999 999 999.99
    purpose: 'GDDS',
    reference: 'RF18539007547034',          // ISO 11649 structured reference …
    // text: 'Invoice 2026-0042',           // … or free text (not both)
    information: 'Thank you',
    version: EpcVersion::V002,
    charset: EpcCharset::Utf8,
    strictCharset: false,
))->svg();
```

## Arguments

| Argument | Rule |
| --- | --- |
| `name` | Beneficiary name, 1–70 characters. |
| `iban` | String or Iban; must be a valid IBAN. |
| `bic` | Optional. Required in version 001, and in 002 for IBANs outside the EEA. |
| `amount` | Optional Money, EUR only, 0.01 – 999 999 999.99. |
| `purpose` | Optional purpose code, 1–4 uppercase letters or digits (e.g. GDDS). |
| `reference` | Structured reference, 1–35 characters; an RF… value must pass ISO 11649. |
| `text` | Unstructured remittance text, 1–140 characters — not together with reference. |
| `information` | Beneficiary-to-originator information, 1–70 characters. |
| `version / charset / strictCharset` | null takes the payments.epc.\* config values through Qr::…; a direct toQrString() uses the standard’s defaults (002, UTF-8, not strict). |

## What the standard fixes

- LF-separated elements without a trailing separator, at most 331 bytes in the declared character set — longer payloads throw PaymentPayloadTooLongException.
- Error correction M, at most version 13, byte segmentation, no ECI and no boost — these options are locked.
- Version 001 requires a BIC; version 002 without a BIC requires an EEA IBAN (EU 27 + IS, LI, NO).
- Eight character sets (UTF-8 and ISO-8859-1, -2, -4, -5, -7, -10, -15); a character the charset can’t represent throws an unrepresentable error naming the field.
- strictCharset restricts name, text, information and reference to the SEPA Latin subset.
- Text fields must be valid UTF-8 (invalid\_format naming the field otherwise) and are NFC-normalised before length checks when ext-intl is available.

## Parsing a scanned code

```php
$payment = EpcPayment::fromString($scannedPayload);   // parse (LF or CRLF; one trailing separator tolerated)

$carried = Qr::epc($payment)->payload()->toQrString(); // the exact string the code carries (config applied)
$standard = $payment->toQrString();                    // standard defaults for null fields — ignores config
```

The serialised form follows the standard — this is the example from EPC069-12 §2.3, reproduced byte for byte in the package’s tests:

```
BCD
001
1
SCT
BHBLDEHHXXX
Franz Mustermänn
DE71110220330123456789
EUR12.3
GDDS
RF18539007547034
```

EPC codes default to Personal sensitivity; lower it to Public for a code printed on a public invoice page.

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