Pagome — SEPA Payment Links - SEPA payment links — no app, no middleman, no fees

Hey everyone — I built Pagome because I was fed up with how hard it still is to ask someone for money in Europe. PayPal takes a cut and forces both sides onto their platform. Wero launched with big promises but it's clunky, half-baked, and still doesn't work across most banks. Meanwhile, the rails for instant SEPA transfers already exist — every European bank supports them. The problem was never the payment itself. The problem was: how do you share the payment details without pasting a raw IBAN into a WhatsApp chat and hoping nobody mistypes it? That's all Pagome does. You type your IBAN and an amount, the app generates a link and a GiroCode QR — right there on your phone, nothing sent anywhere. You share the link. The other person scans the QR with whatever banking app they already have. Done. Transfer pre-filled, one tap to confirm. The whole thing is stateless. No server stores your IBAN. No account to create. No company sitting between you and the money. Your data stays on your device, the payer's data stays on theirs, and the bank handles the rest — exactly how it should work. I'd love to hear what you think. Especially if you've tried Wero and felt the same frustration.