The Swiss QR-bill, QR-Rechnung in German, is the standard payment part of an invoice in Switzerland and Liechtenstein: a receipt and a payment section with a Swiss QR Code that banking apps scan. SIX publishes its rules as the Swiss Implementation Guidelines for the QR-bill. Version 2.3 applies now; version 2.4 enters into force on 14 November 2026. Reading QR-bills is planned in Klarbon.
What is in a Swiss QR Code?
| Element | Holds |
|---|---|
| Header | SPC (Swiss Payments Code), version 0200, coding type |
| Creditor account | an IBAN or a QR-IBAN |
| Creditor | name and structured address |
| Amount and currency | CHF or EUR; the amount can be left open |
| Debtor | name and address, optional |
| Reference type | QRR QR reference, SCOR creditor reference, or NON |
| Reference | 27 digits for QRR; up to 25 characters including RF for SCOR |
| Unstructured message and trailer | free text, then EPD, the end of payment data |
| Billing information and alternative procedures | optional |
| Property | Value |
|---|---|
| Countries | Switzerland and Liechtenstein |
| Print size of the code | 46 x 46 mm, with a 7 x 7 mm Swiss cross in the middle |
| QR-IBAN | for incoming payments with a QR reference only |
| Since | June 2020; the only payment slip since 1 October 2022 |
The guidelines set the fields, the reference rules and the layout of the payment part (SIX implementation guidelines). SIX lists the current and next versions, and their dates, on its QR-bill page (SIX).
QR-bill or EPC QR code?
| Swiss QR-bill | EPC QR code | |
|---|---|---|
| Area | Switzerland and Liechtenstein | SEPA |
| Currencies | CHF and EUR | EUR |
| Structured references | QR reference and creditor reference | creditor reference |
| On paper | a fixed payment part with a receipt | a code anywhere on the invoice |
What does Klarbon do with QR-bills?
Reading the Swiss QR Code on an invoice PDF or image is planned, not available yet. Klarbon does not create QR-bills or start payments. To read an invoice, see the invoice viewer.
Related
Frequently asked questions
What is a Swiss QR-bill?
The standard payment part of an invoice in Switzerland and Liechtenstein. It has a receipt and a payment section with a Swiss QR Code that holds the payment details, which banking apps scan. It replaced the old payment slips on 1 October 2022.
What is the difference between a QR-IBAN and an IBAN?
A QR-IBAN is a special IBAN for incoming payments with a QR reference, a 27-digit structured reference. With a normal IBAN, the bill carries either an ISO 11649 creditor reference starting with RF, or no structured reference.
Which version of the QR-bill specification applies?
Version 2.3 of the Swiss Implementation Guidelines has applied since November 2025. Version 2.4 enters into force on 14 November 2026 and replaces it, while 2.3 remains valid until November 2027.
Which currencies can a QR-bill use?
Only Swiss francs (CHF) and euros (EUR). Under version 2.4, a euro bill can use only an IBAN with a creditor reference or an IBAN with an unstructured message.
Is a QR-bill an e-invoice?
No. It carries payment details, not invoice lines or VAT. A structured e-invoice is a separate file, for example in UBL or CII.