eu-payment-qr

Generate and parse EPC QR codes (GiroCode) for SEPA payments.

What this does

• Generate EPC-compliant QR strings (EPC069-12 standard)
• Parse QR strings into payment data
• Validate IBAN, BIC, and payment fields
• Zero dependencies

What this doesn't do

• Render QR images (use qrcode, react-native-qrcode-svg)
• Scan QR codes (use vision-camera, expo-camera)
• Execute payments (use your bank's API)
• Generate invoices (use your invoicing system)

Installation

npm install eu-payment-qr

Usage

Generate a QR string

import { generate } from 'eu-payment-qr';

const qrString = generate({
  recipient: 'Max Müller',
  iban: 'DE89370400440532013000',
  amount: 149.99,
  reference: 'INV-2024-001'
});

// Use with any QR library
// <QRCode value={qrString} />

Parse a QR string

import { parse, isEpcQR } from 'eu-payment-qr';

// Check if string is EPC format
if (isEpcQR(scannedData)) {
  const result = parse(scannedData);

  if (result.valid) {
    console.log(result.data);
    // { recipient: 'Max Müller', iban: '...', amount: 149.99, ... }
  } else {
    console.error(result.error);
  }
}

Validate payment data

import { validate, validateIBAN, validateBIC } from 'eu-payment-qr';

// Validate complete payment data
const result = validate({
  recipient: 'Max Müller',
  iban: 'DE89370400440532013000',
  amount: 149.99
});

if (!result.valid) {
  console.log(result.errors);
  // [{ field: 'iban', message: '...', code: 'IBAN_INVALID_CHECKSUM' }]
}

// Validate individual fields
validateIBAN('DE89370400440532013000'); // { valid: true }
validateBIC('COBADEFFXXX');              // { valid: true }

German market alias

import { girocode } from 'eu-payment-qr';

const qrString = girocode.generate({ ... });
const result = girocode.parse(qrString);

API

generate(data, options?)

Generates an EPC QR code string.

Parameters:

• data.recipient (string, required) - Beneficiary name (max 70 chars)
• data.iban (string, required) - IBAN
• data.bic (string, optional) - BIC/SWIFT code
• data.amount (number, optional) - Amount in EUR (max 999,999,999.99)
• data.reference (string, optional) - Payment reference (max 35 chars)
• data.message (string, optional) - Additional info (max 140 chars)
• options.version ('001' | '002', default: '002') - EPC version
• options.encoding ('UTF-8' | 'ISO-8859-1', default: 'UTF-8')

Returns: string - EPC QR payload

Throws: EpcError if validation fails

parse(qrString)

Parses an EPC QR code string.

Parameters:

• qrString (string) - Raw QR code content

Returns: ParseResult

• valid (boolean)
• data (PaymentData, if valid)
• error (string, if invalid)

isEpcQR(qrString)

Quick check if a string is EPC QR format.

Returns: boolean

validate(data)

Validates payment data.

Returns: ValidationResult

• valid (boolean)
• errors (ValidationError[])

validateIBAN(iban)

Validates an IBAN.

Returns: { valid: boolean, error?: ValidationError }

validateBIC(bic)

Validates a BIC/SWIFT code.

Returns: { valid: boolean, error?: ValidationError }

formatIBAN(iban)

Formats IBAN with spaces for display.

Returns: string (e.g., "DE89 3704 0044 0532 0130 00")

EPC QR Format

This library implements the EPC069-12 standard used by:

• GiroCode (Germany)
• EPC QR (EU-wide)

The generated string can be encoded as a QR code and scanned by banking apps across Europe.

Supported Countries

All SEPA countries: AT, BE, BG, HR, CY, CZ, DK, EE, FI, FR, DE, GR, HU, IE, IT, LV, LT, LU, MT, NL, PL, PT, RO, SK, SI, ES, SE, CH, GB, IS, LI, NO, MC, SM, AD, VA

License

MIT