The QR-bill makes invoicing easier for your company and enables an efficient and automated accounts receivable process. As an invoice recipient, you benefit from a wide range of payment options.
Simplified and legally correct invoicing in Swiss francs and euros
Payments made quick and easy thanks to scanning
Payable both digitally and by payment order or at Swiss Post branches
Get an immediate overview of outstanding and received payments with accounts receivable software
You are free to choose the QR-bill type that you use for your invoicing. The table indicates which QR-bill type is most suitable for you.
| Invoice issuer | QR-bill type |
|---|---|
| Invoice issuer with accounts receivable software |
QR-bill type QR-IBAN with QR reference |
| Invoice issuer without accounts receivable software |
QR-bill type IBAN without QR reference |
| Invoice issuer Invoices mostly sent abroad |
QR-bill type IBAN with creditor reference (SCOR) |
It is advisable to use a QR-IBAN in order to best support the automation of your accounts receivable software.
When using the QR-IBAN, the QR reference is mandatory and is always returned with the notification of the incoming payment to the invoice issuer. This makes it easy to close open receivables. You will receive the QR-IBAN after registering a virtual account.
If you do not use accounts receivable software, your regular IBAN with the identification 09000 (CHXX 0900 0XXX XXXX XXXX X) is sufficient. No QR reference is to be used. You have the option to specify a payment reference (max. 140 characters).
If you send most of your invoices abroad, your regular IBAN is sufficient. The QR-bill with IBAN and optional Creditor Reference uses the international Creditor Reference in accordance with ISO 11649 (SCOR), which is also used in SEPA payment transactions. For this procedure, you need your IBAN with the identification 09000 (CHXX 0900 0XXX XXXX XXX X).
Pay the QR-bills you receive quickly and easily using the following options:
With the electronic payment order (EPO), you can process your QR payments reliably with your accounts payable software.
To pay the QR-bill via online banking, scan the QR code using your webcam or a document reader and trigger the payment. QR-bills that you receive as a PDF can be uploaded as a PDF in e-finance.
If you cannot scan the QR code, enter the payment information manually into the payment screen in e-finance. You can find the required information as text next to the QR code.
| Number of total transactions/year on total customer relationship | Prices |
|---|---|
| Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments. Up to 60,000 |
Prices Free of charge |
| Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments. From 60,001 to 100,000 |
Prices CHF 0.12/transfer |
| Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments. More than 100,000 |
Prices On request |
Inpayments at the counter are free of charge for invoice payers.
| Number of total transactions/year on total customer relationship | Prices |
|---|---|
| Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments. Up to 60,000 |
Prices Free of charge |
| Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments. From 60,001 to 100,000 |
Prices CHF 0.12/transfer |
| Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments. More than 100,000 |
Prices On request |
| Inpayments | Additional prices |
|---|---|
| Inpayments Up to CHF 50 |
Additional prices CHF 1.20/payment |
| Inpayments Up to CHF 100 |
Additional prices CHF 1.60/payment |
| Inpayments Up to CHF 1,000 |
Additional prices CHF 2.35/payment |
| Inpayments Up to CHF 10,000 |
Additional prices CHF 3.95/payment |
| Inpayments For each additional CHF 10,000 or part thereof |
Additional prices CHF 1.25/payment |
| Inpayments Entry of amount |
Additional prices CHF 0.04/document |
| Inpayments Entry of debtor |
Additional prices CHF 0.80/document |
| Inpayments Reject |
Additional prices CHF 1.20/document |
| Category | Value dates |
|---|---|
| Category Electronic and paper-based account transactions |
Value dates T + 0 |
| Category Counter payments |
Value dates T + 1 |
The QR-IBAN differs from the regular IBAN because of the use of a special institution identification – the QR-IID (value range 30000 to 31999). The QR-IID for PostFinance Ltd is 30000 and is included in the QR-IBAN as follows: CHXX 3000 0XXX XXXX XXXX X.
A virtual account is always a valid QR-IBAN and, in addition to the QR-IID, can be recognized by digits 10–12 in the IBAN: CHXX 3000 0XXX XXXX XXXX X. If digits 10–12 contain values other than three zeros, it is a virtual account.
Several virtual accounts with the same or different entry or notification settings can be used on a business account. The credits are always made to the business account to which the virtual account is linked as per the settings selected. No account statements or interest statements are created for virtual accounts, only for the underlying business account.
The QR-bill replaced the red (IS) and orange (ISR) inpayment slips on 30 September 2022. The term "inpayment slip" is obsolete. Consequently, there are no such terms as QR inpayment slip or QR-ISR.
