QR-bill for invoice issuers

Frequently asked questions

The end of the red and orange inpayment slips (IS/ISR) is drawing ever closer: only QR-bills or payment parts with a QR code and receipt can be processed as of 1 October 2022. Switch over now to avoid payment defaults. Find out what you need to know and what action to take as an invoice issuer here.

Questions and answers

  • The QR-bill was introduced to harmonise and modernise payment transactions in Switzerland.

    It greatly simplifies payment transactions as all the necessary payment information is contained in the QR code and can be scanned automatically.

    The QR-bill or the payment part with a QR code and receipt will replace the usual red and orange inpayment slips (IS/ISR). These can still be used for payments up to 30 September 2022.

  • You can use this The link will open in a new window factsheet (PDF) or parts of it in your communications with your invoice recipients.
  • We have summarized the key information about the switch for you:

    Haven’t switched yet? You need to do so now as a company

    We also provide you with our The link will open in a new window test platform for checking your QR-bills or your payment parts with a QR code.

    If you are a small company or sole proprietorship that issues only a small number of QR-bills, you can also do so quickly and easily using our QR generator.

    For standing orders/payment lists, PostFinance provides the following The link will open in a new window factsheet (PDF) to help you communicate with invoice recipients.

    You can also find lots of helpful information on the websites of SIX Interbank Clearing Ltd, the developer of the QR-bill:

    The link will open in a new window paymentstandards.ch  

    The link will open in a new window pay-simple.ch

  • Yes. The Swiss financial center, and so PostFinance as well, is set to replace all variations of the current orange inpayment slips with reference numbers (ISR) and the red inpayment slips with message field (IS) with the QR-bill.

    The current IS and ISR inpayment slips will no longer be processed after 30  September 2022.

  • The biggest advantage for you as an invoice issuer is the electronic transmission of all payment data. In addition, the QR-bill can be issued in CHF and EUR and you can easily create your own QR-bill and print it out on normal white paper (with perforation).
  • No. Neutral inpayment slips will be discontinued as of 1  October 2022 and will not be replaced by a corresponding solution.
  • Please contact your software manufacturer to ask this question.
  • If you previously invoiced using orange inpayment slips with a reference number (ISR), you must send a new QR-bill to the invoice recipients in each case. The same applies if you use a new account number for your invoicing.

    If you previously invoiced using red inpayment slips without a reference number (IS), you do not need to send a new QR-bill to invoice recipients unless you are using a proprietary bank account number (i.e. no IBAN and no PostFinance account) or the Creditor Reference (SCOR) for your invoicing.

  • Unfortunately, there is no special solution for doing this with the QR-bill. This is because handwritten notes are not permitted on the new payment parts with a QR code.
  • No, that is not allowed.

    A QR code for payments may only be used in the context of a complete QR-bill and/or on a payment part. 

  • Yes, absolutely. Please contact your software partner as soon as possible to make sure that your software supports QR-bill creation.

    From 1  October 2022, it will no longer be possible to process red and orange inpayment slips (IS/ISR). If you switch too late, you run the risk of payment defaults.

    Please also check your accounts receivable master data. Make sure that the addresses are stored in a structured manner wherever possible.

  • Yes, indeed. The detailed notification (camt.054 or camt.053) tells you whether and how many reject fees a transaction has caused.
  • You can create individual QR-bills using the QR generator, which can be found at postfinance.ch/qr-generator and in e-finance.

    You can also use accounts receivable software to create QR-bills. If necessary, check whether you need to adjust your software and how so that you can create QR-bills.

  • No, we do not offer this service. However, you can create payment parts with a QR code and receipt at several print shops or using our QR generator online.

    When doing so, make sure not to make any handwritten notes on the payment part with the QR code and receipt as is still possible with the usual pre-printed red inpayment slips.

    However, you can fill in the name and address of the invoice recipient and the amount by hand.

  • QR-bills can be issued in Swiss francs and euros. The currency abbreviations CHF or EUR must be printed on the payment part (below the QR code and next to the amount field on the left) and on the receipt.
  • The QR-bill was developed only for payments made within Switzerland and Liechtenstein. This means that its format (including payment part and receipt) and the scanning and processing of the QR codes are only valid for payment transactions in these two countries.

    However, it goes without saying that the QR-bill contains information which you can use for international payments you make manually. This includes the name and address of the payment recipient, the amount and the IBAN and creditor reference.

    This results in the following scenarios for foreign payments using QR-bills.

    Invoice issuers abroad – invoice recipients in Switzerland/Liechtenstein
    The invoice recipient can only make use of the QR-bill’s functions (automatic scanning of payment information via QR code) if the invoice issuer provides an IBAN or a creditor reference of an account in Switzerland or Liechtenstein. Otherwise, the invoice recipient has to manually create the payment order via their online banking.

    Invoice issuers in Switzerland/Liechtenstein – invoice recipients abroad
    Whether payments can be made from abroad to Switzerland using the QR-bill depends on whether your chosen foreign bank supports the Swiss QR-bill. The Swiss financial centre has no effect on this. In areas close to the border, there may be relevant services for Swiss customers. But, in this case, it’s also possible for the foreign invoice recipient to use the information on the QR-bill for a manual payment order.

This might interest you too