{
  "scheme": "epc_qr",
  "language": "de",
  "creditor": {
    "name": "Muster GmbH",
    "iban": "AT611904300234573201",
    "bic": "BKAUATWW"
  },
  "amount": "1234.56",
  "message": "RE-2026-0042"
}