QR invoice
The QR-bill is the Swiss standard for invoices with a machine-readable QR code, which contains all payment information and enables 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's IBAN (or QR-IBAN), amount, currency, reference number, and payment purpose. Customers scan the QR code with their banking app and trigger the payment directly.
For Comerciantes, the QR-bill offers the advantage of automatic payment reconciliation: each payment can be uniquely assigned to an invoice via the QR reference (formerly ESR reference number) or the SCOR reference. The credit advice 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 is charged). The disadvantage: payment is asynchronous — the Comerciante must wait for the payment to be received before delivering.
QR-bill examples
An online shop offers QR-bill as a payment method in the checkout. The customer receives a PDF invoice with a QR-code via email and pays using their banking app.
A B2B company sends 500 QR-bills every month. Thanks to the QR reference and camt.054, the incoming payments are automatically reconciled with the open items.
A craftsman generates a QR-bill via Payment Link after completing a job — the customer can pay immediately by scanning or transfer 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 via banking app scan.
What is the difference between an IBAN and a QR-IBAN for the 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 online shops?
Yes, as a complementary payment method — especially for B2B customers and buyers who prefer purchase on invoice. The disadvantage: the payment is asynchronous, and shipping should only take place after payment has been received.
How much does the QR-bill cost as a payment method?
The QR-bill itself does not generate 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 processing.
