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 de

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