The QR-bill makes invoicing easier for your company and enables an efficient and automated accounts receivable process.
Compatible currencies: CHF and EUR
Create, print and send invoices independently using the QR generator
Automate the management of your incoming payments with accounts receivable software
In Switzerland, the QR-bill is standard for invoicing your receivables. You are free to choose the QR-bill type that you use for your invoicing. There are three variants for business customers. The table indicates which variant is most suitable for you.
| Usage | Features | Best service |
|---|---|---|
| Usage With accounts receivable software |
Features Particularly useful for companies with a high transaction volume, as payments can be allocated automatically. |
Best service QR-IBAN with QR reference |
| Usage Without accounts receivable software |
Features Suitable for invoices where payment allocation can be done manually. |
Best service IBAN without QR reference |
| Usage Invoices mostly mailed abroad |
Features Solution for international invoicing, for which automatic allocation of incoming payments is required. |
Best service IBAN with Creditor Reference (SCOR) |
When using the QR-IBAN, the QR reference is mandatory and is always returned with the notification of the incoming payment from the invoice issuer. This makes it easy to close open receivables. To this end, Postfinance uses virtual accounts. You will receive one of these after registering.
If you do not require automatic reconciliation of your incoming payments with accounts receivable software, your regular IBAN with identification 09000 is sufficient (CHXX 0900 0XXX XXXX XXXX X). You will receive this after opening a business account with PostFinance. No QR reference is to be used. You have the option to specify a payment reference (max. 140 characters).
If you mostly send invoices abroad, your regular IBAN with identification 09000 (CHXX 0900 0XXX XXXX XXXX X) is sufficient. You will receive this after opening a business account with PostFinance. 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.
QR-bills can be created easily using accounts receivable software. This allows the open items in the accounts receivable software to be reconciled automatically. Based on your invoice volume and your automation requirements, check whether it would be worthwhile for you to use accounts receivable software.
Create QR-bills using our QR generator on the website or directly in e-finance.
| 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.
