The QR-bill: Efficiency Squared

The QR-bill, which has been in circulation since June 2020, definitively replaced Swiss payment slips on 1 October 2022. The QR-bill features a QR code with a Swiss cross as an identifying feature. The Swiss QR code contains all the information necessary for a payment in digital form. This ensures improved security and enables a smoother financial process.

How the QR-bill Works

The QR-bill can be printed or issued digitally. It is the successor to the previous payment slips. The QR-bill consists of a payment section and a receipt. All payment information is contained both digitally in the Swiss QR Code and – as usual – in plain text. This enables the invoice recipient to check the correctness of the payment data after scanning and before approving the payment and, if necessary, to enter payments manually.

  • Just like existing payment slips, the QR-bill is divided into two parts – into a receipt (1) and a payment section (2).
  • The Swiss QR Code (3) contains all relevant information needed both for invoicing and for payment.
  • The QR-bill is perforated (4). In this way, the invoice recipient can easily separate the payment section and the receipt from the invoice and either pay it at the post office counter, or send it to the bank with the payment order by mail.

Specifications for the QR-bill

If all the processes involved in producing and processing QR-bills are to work smoothly, the QR-bill Guidelines must be carefully observed. The specifications for the QR-bill are addressed primarily to the issuers of invoices, but they also apply to financial institutions and their service providers who offer their customers payment traffic services based on the QR-bill, the developers of software for invoice issuers and recipients and banks, and all other associated participants in the market.

In the Download center you will find various documents including processing rules, implementation tools and factsheets for the QR-bill.

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Generating Swiss QR Codes

The following list features simple and free, publicly available solutions for generating Swiss QR Codes for individuals and small companies that do not have a software solution.

Manufacturer Link
Andreas Bilger qr-rechnung.net
Manuel Bleichenbacher www.codecrete.net/qrbill
Codeblock GmbH app.qr-invoice.cloud
Epsitec SA qr-rechnung.online
hakuna AG www.koleo.ch/qr-rechnung-erstellen
Lerchmüller AG https://qr-generator.ch
NetCat AG https://www.proqr.ch
PostFinance AG postfinance.ch/qr-generator
QR Modul qrmodul.ch
Räppli - Rechnung rappli.ch
Raiffeisen Schweiz raiffeisen.ch/qr-generator
TEC-IT Datenverarbeitung GmbH label.tec-it.com/en/Group/SWISS/Swiss_QR_Bill_V2
UBS Switzerland AG qrbill.ubs.com
Swiss Digital Vision swissqrbill.ch

Disclaimer

SIX Interbank Clearing Ltd ("SIX") has compiled the list of publicly accessible and free generators of Swiss QR Codes on behalf of the Swiss financial center and on the basis of a market analysis and does not make a profit from their publication. SIX is not the manufacturer of the generators ("QR generators") included in the list and assumes no warranty or responsibility whatsoever for their functionality or procedural implementation, in particular for possible errors in QR-bills created on the basis of the QR generators. Likewise, SIX does not provide any advice in this regard and makes no control functions available. Furthermore, SIX assumes no responsibility for actions of the manufacturers of QR generators that result from the disclosure of personal data in connection with the use of the QR generators. Any questions and comments regarding the use of the QR generators shall be addressed to the respective manufacturer. SIX reserves the right to update or remove the list of publicly accessible and free QR generators at any time.

Any Questions About QR-bill

Find answers to your questions in our FAQs.

Use of Alternative Procedures

The Swiss banks are assuming that in the future billers will want to offer their customers other alternative procedures in addition to bank transfers, some of which may not yet currently exist. To design the QR code to be future-capable for this purpose, the banks have built in an "alternative procedures" element at the end of the QR code. Additional information for up to two alternative procedures can currently be filled in here.

Additional information for up to two alternative procedures can currently be filled in here. The meaning of the first characters of the field is predetermined as follows:

Characters 1-n indicate the procedures to which the filled in parameters belong.
Characters n+1 defines the separator with which the subsequent parameters are separated.
From characters n+2 for the necessary alternative procedure parameter, separated by the defined separator. All parameters that may contain personal data must first be displayed, followed by the other parameters.

Registered alternative procedures

Organization Short name Short description Link zur Syntaxdefinition
SIX eBill Electronic bills www.ebill.ch
TWINT AG TWINT TWINT for QR-bills www.twint.ch

Other owners of alternative procedures that would like to use the QR-bill can contact billing-payments.pm@six-group.com to clarify the options and further schemes.


Notes

Implementation through providers of solutions for billing

During the implementation of this function, providers of software solutions must make sure that the use of alternative procedures can be managed through the master data. For each biller it must be possible to define whether, and to which schemes, this information should be sent. It is recommended that an internal solution be prepared for the use of procedures that can later be easily upgraded.
If a bill recipient should receive information about a specific scheme, then the "alternative procedure parameters" field should be filled in with values according to the specifications of the scheme owner.