Pagome

Pagome is a free progressive web app that generates SEPA payment request links and GiroCode QR codes entirely on-device. Enter your name, IBAN, and an amount — Pagome creates a shareable link the payer opens in any banking app to confirm a pre-filled transfer. No account needed on either side, no fees, no data stored on a server. Built on the EPC GiroCode standard supported natively by all major European banks. Available at https://pagome.com.

Pagome lets anyone generate a SEPA payment request link in seconds without creating an account, installing an app, or paying any fees. The user enters their name, IBAN, and the amount they are owed. The app then generates a shareable link and a GiroCode QR code entirely on the user's device. The user sends that link via WhatsApp, iMessage, email, or any messaging app. When the payer opens the link, they scan the QR code with their banking app and confirm a pre-filled bank transfer.

Most payment link tools, including PayPal.Me, Wero, and Revolut, require the payer to have an account or install an app. Pagome requires nothing from the payer beyond a banking app they already have. It builds on the GiroCode (EPC QR Code) standard that every major European bank already supports natively. The payment link itself contains all the transfer details. No data is sent to a server, no funds are held, and no personal information is stored anywhere outside the user's own browser.

Pagome is fully stateless by design. There is no server-side database, no user accounts, and no central storage of IBANs or transaction data. Payment details are encoded directly into the URL and QR code on the sender's device. This means Pagome holds no funds, requires no financial licence, and carries no data-retention liability. It is the "create a payment request" side of the equation; the payer's own banking app handles the actual transfer.

The app is built for freelancers and independent contractors invoicing clients across Europe, small businesses and tradespeople replacing ad-hoc bank-detail sharing over chat, and individuals splitting costs such as rent, gifts, and group travel without needing a shared payment platform. It works with all SEPA-compatible banks, including Sparkasse, ING, Deutsche Bank, Revolut, Monzo, N26, Bunq, UniCredit, Santander, BBVA, and thousands more.

Pagome is available as a progressive web app that can be installed directly from the browser on iOS, Android, and desktop. It supports offline use through a service worker, ships in English, German, Spanish, Italian, and Greek, and collects no tracking data or analytics.