QR Invoice
The QR-bill is the Swiss standard for invoices with a machine-readable QR code, containing all payment information and enabling automatic payment reconciliation via IBAN or QR-IBAN.
QR Invoice
The QR-bill replaced the old payment slips (ESR, ES) in Switzerland in 2022. It contains a Swiss QR Code with all payment-relevant information: recipient IBAN (or QR-IBAN), amount, currency, reference number, and reason for payment. Your customers scan the QR code with their banking app and trigger the payment directly.
For merchants, the QR-bill offers the advantage of automatic payment reconciliation: via the QR reference (formerly ESR reference number) or the SCOR reference, each payment can be clearly assigned to an invoice. The credit notification is sent via camt.054 (ISO 20022).
In e-commerce, the QR-bill is offered as a payment method in the checkout — as an alternative to instant payments such as credit card or TWINT. The advantage: no transaction fees for the payment method itself (only the PSP fee applies). The disadvantage: the payment is asynchronous — you have to wait for the payment to be received before you deliver.
QR-bill examples
An online shop offers the QR-bill as a payment method in the checkout. The customer receives a PDF invoice with a QR code by email and pays via their banking app.
A B2B company sends out 500 QR-bills every month. Thanks to the QR reference and camt.054, incoming payments are automatically reconciled with outstanding items.
A tradesperson generates a QR-bill via a payment link after completing a job — the customer can pay immediately by scanning or transfer the amount within 30 days.
QR-bill FAQ
What is a QR-bill?
The QR-bill is the Swiss standard for invoices with a machine-readable QR code. It replaced the old payment slips in 2022 and enables payment by scanning with a banking app.
What is the difference between an IBAN and a QR-IBAN for a QR-bill?
The standard IBAN is used with the SCOR reference (Creditor Reference). The QR-IBAN is used with the QR reference (formerly ESR reference) and enables automatic payment reconciliation via camt.054 messages.
Is the QR-bill suitable for your online shop?
Yes, as a complementary payment method — especially for B2B customers and buyers who prefer purchase on account. The disadvantage: The payment is asynchronous, and shipping should only take place after receipt of payment.
How much does the QR-bill cost as a payment method?
The QR-bill itself does not incur any transaction fees for the payment method. Only the PSP fees apply (e.g. 0.50–0.60% with Payrexx) as well as the usual bank fees for payment transactions.
