About Message 2 Pay

Message 2 Pay is a web application that turns payment emails and messages into SEPA payment QR codes your bank app can scan. It is built for European transfers: we extract IBAN, beneficiary, amount, and reference, then generate a SEPA credit transfer (EPC) QR code to speed up payments.

You can try it immediately on the home page or dive into the guide to SEPA QR codes.

How it works and how we handle data

When you paste text, Message 2 Pay processes it server-side to build a SEPA-compliant payment string and QR code. The pasted content is handled in memory only for generating the QR and is not stored. We collect limited technical data (such as IP address and basic usage statistics) to keep the service reliable; see the Privacy Policy for details.

Why SEPA QR codes?

• Fewer IBAN errors. Payment details are encoded for you, reducing mistyped digits and bounced transfers.
• Faster to pay. Scanning a SEPA payment QR launches your banking app with the IBAN, amount, and reference pre-filled.
• Great for invoices. Teams and freelancers can attach a SEPA credit transfer QR to bills so customers can scan-and-pay instantly.

Where to learn more

If you want to understand supported banks, data extraction, and privacy, visit the full FAQ. For a deeper dive into the QR format itself, read our blog article about SEPA payment QR codes.

Message 2 Pay is operated by CLNS in Belgium and built with a privacy-first mindset for people who want faster, safer European bank transfers.