smhg / sepa-qr-data-php Goto Github PK

The data I'm passing contains only ASCII characters. And my PHP file is UTF-8.

However, when I do ->setCharacterSet(SepaQrData::UTF_8) it doesn't work (at least with the banking app I'm trying), but when I do ->setCharacterSet(SepaQrData::ISO8859_1), it does. Why?
And why is the QR code changing at all? And does this setting have to be the same as the setting you pass to endroid/qr-code, or does one (which?) override the other or doesn't it matter?

<?php

require_once('vendor/autoload.php');

use SepaQr\Data;
use chillerlan\QRCode\QRCode;
use chillerlan\QRCode\QROptions;

$paymentData = Data::create()
  ->setName('Name of the beneficiary')
  ->setIban('BE123456789123456789')
  ->setAmount(100); // The amount in Euro

$qrOptions = new QROptions([
    'eccLevel' => QRCode::ECC_H // required by EPC standard
]);

(new QRCode($qrOptions))->render($paymentData, 'payment.png');
?>

When I generate the QR with your the above code and let my smartphone bank app scan it it says wrong QR code, not payment QR code! I am in Slovakia (EU), using MBank mobile app and its internal QR payment function (it can scan real QR payment codes on regular basis with no problem).

BIC code can be either 8 characters long or 11 characters long

SepaQr\Data->setBic($bic) allows BIC code to be from 8 to 11 characters long (9 and 10 character long codes are invalid).
ref: https://www.swift.com/standards/data-standards/bic-business-identifier-code

Very informative. I have not dealt with sepa before.
But I noticed one small problem.
My bank app (Revolut: bank with multiple currencies and my account in Euro) did not accept the qr-code without amount. I found out that the missing currency is responsible for this.

Changing the line:

• $values['amount'] > 0 ? formatMoney($values['amount']) : '',
  to
• $values['amount'] > 0 ? formatMoney($values['amount']) : 'EUR',

to specify the currency without amount solved it. But I was still not satisfied.
After creating the function "setCurrency" and other additions, you can now choose between several currencies.
Some other changes (preg_replace...) are only for demonstration and/or are alternatives to aborts. Checks could also be done before commit.

Have a look at it on:
Multiple currencies

There's a "standard" in Austria to add a rounded border with some text in it, around the QR code - see https://www.stuzza.at/de/zahlungsverkehr/qr-code.html
It looks like in Germany they have this too: https://www.girocode.de/girocodetools/pages/girosolution/ and on https://en.wikipedia.org/wiki/EPC_QR_code some other countries are mentioned as well.

I already suggested this at endroid/qr-code#313 - just mentioning this here in case somebody is interested... ;-)

Clarify that:

• The output of this project is always an intermediary step.
• Needs to be used with e.g.
  • endroid/qr-code
  • chillerlan/php-qrcode
  • milon/barcode
  • bacon/bacon-qr-code (?)

This seems to be a good reference: https://www.iso20022.org/iso-20022-message-definitions

See e.g. https://github.com/smhg/sepa-qr-data-php#setbicbic
I figure you've copied this from the EPC PDF. Do you know what it stands for?