Payment QR code standards
Most countries in Central Europe have their own payment code for bank transfers, and the euro area shares one. Choose a standard to see what it contains and which banks it is meant for.
Last updated 7 November 2026
Payment QR code standards for bank transfers
Slovenia
UPN QR
The QR code on Slovenian payment slips, read by Slovenian banking apps.
Read more (UPN QR)Croatia
HUB3
The PDF417 barcode on Croatian payment slips, read by Croatian banking apps.
Read more (HUB3)Czechia
QR Platba
The short, readable QR code for Czech bank transfers, supported by Czech banking apps.
Read more (QR Platba)Slovakia
PAY by square
The compressed QR code used for Slovak bank transfers and invoices.
Read more (PAY by square)Poland
ZBP
The pipe-separated 2D payment code recommended by the Polish Bank Association.
Read more (ZBP)Hungary
MNB QR
The payment QR code defined by the Hungarian central bank, with a validity date.
Read more (MNB QR)Euro area (SEPA)
EPC QR
The European QR code for SEPA credit transfers in euro, also known as GiroCode.
Read more (EPC QR)
Always scan a test code with the banking app your customers use before you rely on it.
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