# EPC QR > A SEPA credit transfer the customer does not have to type. Their banking app reads the code and pre-fills the transfer. Page: https://sellstamp.com/docs/payments/epc-qr ## At a glance - **Where**: The 36 SEPA countries. - **Currencies**: Euro only. - **Confirmation**: You confirm each payment yourself. Sellstamp is never told the money moved. - **Refunds**: Not through Sellstamp. Return the money yourself, then record the refund on the order. - **Subscriptions**: No. One-off purchases only. ## What you need - Your IBAN and the name on the account ## Connecting it 1. Enter the IBAN in Payments → EPC QR. It is validated when you save it. 2. When the money shows up in your account, open the order and mark it paid. That releases the download, licence or shipment.