This tool makes it easier for people (in Europe) to pay with bank transfers. It does not serve as a payment gateway or anything similar. It does no payment verification at all, it simply provides the necessary payment information in a QR code, which may be scanned by the person who wants to pay.
The QR code contains the information necessary for a bank transaction in the form of a SEPA credit transfer. It can be used to prefill the transaction form if your banking app supports payment by QR code.
The process of generating the QR code is entirely local and offline. It can be printed in ASCII in the terminal, or exported as a PNG for inclusion in eg. a web page or a mail.
One QR code can be used without limit, but will always contain the same payment information: amount, remittance message, destination account. More than one person can scan the same code to pay the same amount (eg. split a bill with friends), or one person can scan the code on a recurring base (eg. you pay your internet invoice every month and it's a fixed price)
$ go install github.com/jovandeginste/payme@latestUsage:
Generate SEPA payment QR code
Usage:
payme [flags]
Flags:
--amount float Amount of the transaction
--bic string BIC of the beneficiary
--character-set int QR code character set (default 2)
--debug print debug output
--file string write code to file, leave empty for stdout
-h, --help help for payme
--iban string IBAN of the beneficiary
--name string Name of the beneficiary
--output string output type: png or stdout (default "stdout")
--purpose string Purpose of the transaction
--remittance string Remittance (message)
--structured Make the remittance (message) structured
--qr-version int QR code version (default 2)You can set some default values in your ENV, eg.:
export PAYME_IBAN=DE71110220330123456789
export PAYME_NAME="Franz Mustermänn"
export PAYME_BIC=BHBLDEHHXXXGenerate QR code as text, print on the console:
$ payme \
--name "Franz Mustermänn" \
--iban "DE71110220330123456789" \
--amount 12.3 \
--remittance "RF18539007547034"Generate QR code as png, save as file:
$ payme \
--name "Franz Mustermänn" \
--iban "DE71110220330123456789" \
--amount 12.3 \
--remittance "RF18539007547034" \
--output png \
--file QR.pngPlease provide feedback if your banking app supports or does not support these QR codes.
The QR code is tested with the mobile apps of these banks:
| Bank | Support |
|---|---|
| Belfius | Yes |
| Fortis | Problems with characters in the remittance |
| KBC | Yes |