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by derhuerst 1495 days ago
Among many reasons why exchanging an IBAN and submitting a SEPA transfer in the EU is so cumbersome is that there were at least two standards to encode those details in a QR code.

It seems that, by now, except Czech Republic & Slovakia [1], the EPC QR code [2] has won.

[1] https://en.wikipedia.org/wiki/Short_Payment_Descriptor [2] https://en.wikipedia.org/wiki/EPC_QR_code