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Developer Uses AI Coding Assistant to Automate SEPA Bank Payments via QR Codes

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A software developer based in Germany grew frustrated with manually entering payment details from paper invoices into his banking app and sought to automate the process. He discovered the EPC QR code standard, also known as GiroCode, which encodes SEPA credit transfer details — including recipient, IBAN, amount, and payment reference — into a scannable QR code. Using OpenAI's Codex as an AI coding assistant, he built a Go-based command-line tool that generates these EPC-compliant QR codes, working in small iterative steps rather than prompting the AI to build everything at once. The developer noted that AI-assisted coding works best when the programmer already understands the problem constraints and has a reliable way to verify the output. He used his own banking app as a real-world test oracle to validate that the generated QR codes correctly populated payment forms.

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