Quick answers about how Message 2 Pay works, which banks support SEPA payment QR codes, and how we keep your data private.
A SEPA payment QR code (also called EPC QR) encodes SEPA credit transfer data: IBAN, beneficiary name, amount, and reference. Scanning it in a European banking app opens a pre-filled transfer you can review and approve.
Most major European banking apps that offer “scan & pay” or “SEPA QR” support the format. If your app has a QR payment option, scanning a SEPA credit transfer QR should pre-fill the transfer.
We look for IBAN, beneficiary name, amount, and payment reference. If any detail is missing, we still build the SEPA payment QR with what we have so you can complete it in your banking app.
No. The pasted content is processed server-side in memory to generate the QR code and is not stored. We collect limited technical data (such as IP address and usage events) to keep the service reliable; see our Privacy Policy.
Yes. You can paste payment text from mobile or desktop browsers. Scan the generated SEPA payment QR with your banking app on the same phone or a second device.
Yes. Many teams add an IBAN QR code to invoices so customers can scan and pay faster with fewer IBAN or reference errors. Always verify the pre-filled details before sending the transfer.
There’s a free tier with usage limits. If you hit the limit, check Pricing for options.
If the email is very unstructured, some fields may be ambiguous. You can edit the payment details directly in your banking app after scanning.
Paste your payment email or message and scan it in your banking app in seconds.
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