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EPC QR code — version 001 (BIC mandatory) with a free-text message

The other half of EPC069-12: version 001, where the beneficiary BIC is mandatory (it is the only difference between 001 and 002), and a free-text message instead of a reference. Structured reference and free text are mutually exclusive — a QR code carries one or the other, never both.

EPC069-12 v3.1 — Valid

The other half of EPC069-12: version 001, where the beneficiary BIC is mandatory (it is the only difference between 001 and 002), and a free-text message instead of a reference. Structured reference and free text are mutually exclusive — a QR code carries one or the other, never both.

Payment QR code (EPC / Swiss QR-bill) EPC069-12 v3.1 EPC069-12 — European Payments CouncilExpected result: Valid

What this file shows

The other half of EPC069-12: version 001, where the beneficiary BIC is mandatory (it is the only difference between 001 and 002), and a free-text message instead of a reference. Structured reference and free text are mutually exclusive — a QR code carries one or the other, never both.

Total€250.00
SchemeSCT
Last verified: License: CC-BY-4.0
Download the file Open the matching validator

Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.

File content

BCD
001
1
SCT
BNPAFRPPXXX
ACME Services SAS
FR7630006000011234567890189
EUR250.00


Facture 2026-0042 — merci de votre règlement

How we know these results hold

Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.

Payment QR code (EPC / Swiss QR-bill)

All sample fileshttps://validatefin.com/samples/qr/epc-sct-v001-unstructured-remittance.txt