Generate an EPC QR code (SEPA Credit Transfer / « Girocode », EPC069-12) — the QR a banking app scans to pre-fill a transfer, the payment companion to an invoice. Body { name, iban, amount?, bic?, purpose?, remittance? | reference? (RF) }. Returns PNG (default), SVG, or the raw EPC text. IBAN + RF are validated; strict EPC encoding (order, lengths, ≤331 bytes, level M). EUR only. Not a payment initiation — just the encoded data.