QR codes for outgoing SEPA payments

Ideas & Feedback Product Improvements
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The European Payments Council published guidelines in 2012 for QR codes to support SEPA payments:

These guidelines are also explained on a Wikipedia page on the subject. The payee gives a QR code to the payer, who scans it, thereby avoiding manual entry of all fields, reducing the scope for error. Although the scope for error on manual entry of IBANs is already eliminated by check digits, the same is not true of the payee reference, which payers often omit in error or mistype.

Unlike traditional banks’ browser-based online banking, payments from Revolut accounts are always initiated from a device that contains a camera, namely a smartphone. Therefore Revolut is particularly well-placed to support these QR codes for making outgoing SEPA payments.

Although the use of QR codes for SEPA payments is not yet widespread, it would nevertheless be an easy feature for Revolut to build.

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Great idea which should not be to difficult to implement and it would give Revolut clearly another advantage over its competitors.

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Very great idea :bulb:
That will simplify refund between people and avoid to take phone number, mail etc… to send or receive money by people

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Support for EPC QR format seems to be implemented in Beta Release of Android App.


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Hi!

It appears that QR codes for outgoing SEPA payments doesn’t work in Slovenia, when I try to scan code there is “No working code detected.” so I have to enter it manually. :frowning:

BR, Borut

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UPNQR is currently not supported. Open source implementation available.

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Revolut can not recognize QR code (see picture bellow) . Another QR applications can read text: SPD1.0ACC:CZ9801000000000002701601AM:1666.00CC:CZKDT:20201124X-KS:308*X-VS:52019952
Any idea how I could check if QR code or text data are compatible with Revolut QR payment? Thank you.

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Revolut uses this standard: https://en.wikipedia.org/wiki/EPC_QR_code

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Jup. As written few posts above.
Hope they add support for all other formats also.
Parsing should not be a problem, once they decide.

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Browser based UPN QR scanner:
https://qr.maslick.tech/

You can then copy relevant info into Revolut form.
It is not ideal, but probably better than retyping.

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Unfortunately, we also have another type of QR code for payment in Slovenia: UPN QR Code

In Slovenia, we have an app that converts the Slovenian UPN QR code into an EPC QR code and optionally sends new QR code to e-mail. And then we scan the EPC QR code via the revolut app.
https://fintech.svetidej.com/aplikacije/epc-qr-koda/en/

UPN QR Code:

Example of conversion from UPN QR code to Revolut fields

upn-qr-code-example2
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line[0]: UPNQR
line[1]:
line[2]:
line[3]:
line[4]:
line[5]: Janez Novak
line[6]: Dunajska 1
line[7]: 1000 Ljubljana
line[8]: 00000008105
line[9]:
line[10]:
line[11]: RENT
line[12]: Plačilo najemnine 10/2016
line[13]: 15.11.2016
line[14]: SI56051008010486080
line[15]: SI129990000359896
line[16]: Novo podjetje d.o.o.
line[17]: Lepa cesta 15
line[18]: 3698 Loški Potok
line[19]: 194

  • Mandatory line: line[0]=‘UPNQR’

  • minimum 20 lines in QR code

  • Name:

    • from line[16]
    • example: Novo podjetje d.o.o.

  • IBAN:

    • from line[14]
    • example: SI56051008010486080

  • Amount:

    • from line[8]
    • The value must be divided by 100.
    • amount is always in EUR
    • example: 81.05 EUR

  • Message:

    • if line[15] is not empty then from line[15] else from line[12]
    • If the length of the line[15] is greater than 4, there must be a space between the 4th and 5th characters
    • example: SI12 9990000359896
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Instead of offering 40€ for refferals they should just implement this already…

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Bumping this thread as I was planning to create one for this before noticing there already is one, but was disappointed to see Revolut Community did nothing about this…

Revolut needs tounderstand UPNQR is a very common way of paying bills in Slovenia and not implementing this feature will have a huge impact on customer attrition.

The user “svetidej” above nicely explained the protocol and standard that should be very easy to implement.

The amount of new Slovene users Revolut will get just by implementing this feature will be huge.
The impact this feature will have will bring so much so much more users than the €40EUR referrals that you’re handing out.

We genuinely want and need this feature and are kindly asking Revilut Community to escalate this request.

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Hello @smellysocks :wave: , welcome to our :r: community. :heart: We are constantly trying to stream line our products so stay tuned for more. :rocket:

SG | Community Team

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I just saw this thread talking about QR codes representing IBANs : QR codes for outgoing SEPA payments - #10 by stegu.ziga

A PDF document with only the account’s IBAN, like we discuss here, could also include a QR code leading to the IBAN. It would be an interesting use of the QR code, and very handy for the person we send our IBAN PDF to.

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@CelianGdfrd Thank you so much for the feedback. :pray:

As you know we are constantly trying to stream line our products so stay tuned! :sunflower:

Veda | Community Team

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Hello Veda, @Veda.Ramesh . When you say Stay Tuned you have a timeline :hourglass_flowing_sand: in mind or these are just words? :speech_balloon::blossom:
Thank you

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now 50€ in Slovenia, for referral

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Considering lobbying Slovenian Developers to implement this already. Anyone has LinkedIn Premium Account? :man_technologist:

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Maybe I would do that for this feature. :slight_smile:
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