Validated SEPA Instant banks
Works natively with every major European banking app
Compatible with 2,900+ SEPA Instant participating banks
Ninja QR generates a single SEPA Instant QR code for your restaurant.
Diners pay from their own banking app — money arrives directly in your IBAN.
No card terminals. No commissions. No intermediaries.
Enter your business name, IBAN and optional amount. We create a European-standard EPC QR code — the same format banks use natively.
Diner opens their banking app, scans the QR on the table. Beneficiary, IBAN, amount and reference auto-populate. They confirm with SEPA Instant.
Money arrives in your IBAN directly from the customer's bank. Irreversible, 24/7, no chargebacks. We never touch the funds.
Just your business name and IBAN. The QR works for every bill — your customers type the amount inside their banking app. One QR, print it once, use it forever.
Card terminals charge 1.5–3% per transaction. Payment apps hold your money for days. Ninja QR charges zero commission on every payment — because we never route the money. It flows directly bank-to-bank over the SEPA Instant rail.
| Ninja QR | Card terminal | Payment app | |
|---|---|---|---|
| Fee per payment | 0% | 1.5–3% | 0.5–2% |
| Settlement | <10s | 1–3 days | Variable |
| Hardware needed | None | Terminal | Phone + app |
| Chargebacks | Not possible | Yes | Yes |
| Funds custody | Direct to IBAN | Acquirer holds | Wallet holds |
Ninja QR is a software service provided by Ninja Pay LLC. We generate standards-compliant EPC060-06 QR codes (also known as GiroCode / EPC QR) used by every major European banking app to initiate a SEPA Credit Transfer.
Payments execute directly between the customer's bank and the merchant's IBAN via the SEPA Instant Credit Transfer rail (SCT Inst). Ninja Pay never collects, routes, holds, splits, or deducts any fee from these transactions. This exempts the service from Payment Services Directive (PSD2) authorisation requirements as a Payment Service Provider / Payment Institution, as we do not qualify as either under article 4 of the directive.
Ninja Pay LLC es un proveedor de tecnología de software (SaaS). Los pagos se ejecutan directamente entre la entidad bancaria del usuario y la cuenta del establecimiento mediante la red SEPA Instant. Ninja Pay no recauda, procesa ni custodia fondos de los usuarios ni aplica comisiones sobre las transacciones.