Enter your IBAN and an amount — Pagome generates a shareable link and GiroCode QR on your device. The payer opens the link, scans the QR with their banking app, and confirms a pre-filled SEPA transfer. No account on either side, no fees, no data sent to a server. Works with every European bank that supports GiroCode: Sparkasse, ING, N26, Revolut, and thousands more. The stateless alternative to PayPal.Me and Wero.