Payment QR code for shops and small businesses

A payment QR code for your shop lets you get paid on the spot, with no POS terminal and no processing fees — the customer scans the code with their banking app and pays in seconds. It is ideal for small shops, cafes, market stalls, food trucks, fairs and any business that wants to accept modern payments at zero cost.

Why it suits small businesses

• No POS terminal and no merchant account — you only need an IBAN;
• No processing fees — it is a direct bank transfer;
• Start immediately — generate the code, print it and put it at the counter;
• No IBAN errors — the customer types nothing by hand.

How to set it up

1. Open the SEPA payment QR code generator;
2. Fill in your business name and the IBAN where you get paid;
3. For a fixed amount (e.g. one product), set the amount; for variable amounts, leave it empty — the customer enters it when scanning;
4. Download the PNG, print it and place it in a visible holder at the counter.

Best practices at the counter

• Add a clear caption next to the code: "Scan to pay";
• Print the code at least 3-4 cm, with good contrast and protected (laminate/frame) so it survives handling;
• Test it regularly by scanning it yourself;
• Keep a backup version handy (on a phone/tablet) for busy days.

Keep in mind

SEPA codes are for transfers in euro, and the payment is confirmed from the customer's banking app (not instant like a card POS, but often the same day, or immediately if the bank supports SEPA Instant). For a detailed comparison, see QR code payment or card payment.

Want to start? Create the code for free with the getQR generator. And to explain it to customers, send them the guide on how to pay with a SEPA QR code.