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Payment code
A scannable payment code from an account and an amount, in the two standards that are plain text.
It runs entirely in this browser tab: what you type is never uploaded, and the tool makes no network request while it works. Open your browser's network panel and try it — nothing leaves the page. There is no sign-up and no account.
Settings
- Standard
- Both are plain text. PAY by square, the third, compresses its payload and is not here. Choices: EPC069-12, SPAYD.
- Currency
- The one place in this application that names a currency, because the payload has a field for it and a code without one is refused.
- Bank code (BIC)
- Optional under version 002, which is what every bank in the single euro payments area now expects.
- Due date
- Carried by the Czech standard and by no field of the European one, which is said on the result rather than dropped.
- Constant symbol
- A national field that only the Czech and Slovak standards have.
- Specific symbol
- The other national field, and the other one the European standard has no room for.
- Show it as
- The payload is what a scanner reads, and reading it back is how you check the code before it is printed. Choices: A code, The payload, Blocks of text.
- Correction
- More correction survives a fold or a coffee ring and makes a denser code. Choices: Medium, about 15 %, Low, about 7 %, High, about 25 %, Highest, about 30 %.
How to use it
- Paste your text into the box above, or open a file.
- Adjust the settings beside it until the result is what you wanted.
- Copy the result, or save it as a file. The result updates as you type.
Questions
- Which currency are the answers in?
- Whichever one your numbers were in. No tool here names a currency anywhere, because it cannot know which one you meant and a wrong symbol beside a right number is worse than no symbol at all. Every result says so.
- Is tax taken into account?
- No, and every result that could be mistaken for a net figure says so. Income tax, national contributions and allowances differ by country, by year and by circumstance, and a calculator that guessed at them would be wrong for almost everybody while looking authoritative.
- Why is the payment a cent more than my bank's?
- Because a payment is rounded up to the cent here, which is what a lender charges: a payment rounded down leaves a balance behind, and a mortgage of exactly three hundred payments then runs to three hundred and one, the last of them for a penny. Your bank may round the other way, or add a fee, or use a different day-count convention — all three are in the contract.
- Is what I type uploaded anywhere?
- No. This page carries the whole tool as WebAssembly and runs it on your own device. Nothing you type is sent anywhere, and there is no network request to make while it works.
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Cash counter
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Retirement savings
What a pot reaches by a given age, and what it would pay out.
Financial independence
When investments cover spending, from a saving rate and a withdrawal rule.
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