QR-bill for easy invoicing and payment

Send and pay your bills using QR-bill.

Benefits for billers

Different data fields in the QR-bill can be used, omitted, or combined based on your needs as either the biller or the bill-to party. These options are available for billing, incoming payments, and reconciliation of accounts receivable.

There are three types available

QR-bill generator for billers without business software

Clients of Credit Suisse have access to a free QR-bill generator developed and made available in partnership with Lerchmüller AG. It can be used to issue individual QR-bills or a series of up to 24 QR-bills free of charge – in all three versions.

Personal consultation

Do you have questions about switching to QR-bills or would you like a personal consultation? Our experts at the Electronic Banking Desk will be happy assist you personally.

Monday–Friday 08:00 – 17:00

Benefits for bill-to parties

Bill-to parties without their own creditor software

Bill-to parties without their own creditor software can use the usual order methods to pay QR-bills.


At Credit Suisse, QR-bills can be paid in Credit Suisse Direct (online banking), mobile banking, and as a multi-payment order by using a written payment order.

Bill-to parties with their own creditor software

Invoice recipients with their own creditor software (file transfer) can use their own infrastructure to pay QR-bills. The infrastructure must be capable of supporting additional and new information when recording QR-bill payments in order to do so.

Note the following:

  • The software must also be able to create all three forms or formats of payments (pain.001) for the payment order.

  • Creditor master data typically needs to be supplemented with the IBAN and QR-IBAN.

Key terms explained simply

IID (institution identification) is used in Switzerland and Liechtenstein to identify financial institutions as participants in the Swiss RTGS systems. At least one IID is assigned to each institution.

The QR-IID is a second institution identification (IID) used in today's bank clearing that indicates that the institution participates in the procedure using QR-bill with structured reference.


QR-IIDs are comprised solely of numbers between 30,000 and 31,999. Based on these QR-IIDs, defined IBANs (QR-IBANs) are exclusively used for the new procedure with QR-reference. The QR-IID for Credit Suisse (Switzerland) Ltd. is 31,000.

As a feature of the procedure, the QR-IBAN ensures that the structured QR reference is always used as the reference for payments. This billing and payment procedure with structured reference is marked using the financial institution’s unique identification (QR-IID). Important: The QR-IBAN cannot be used for outgoing payments.


The financial institution discloses the QR-IBAN to the issuer.

The QR reference is equivalent to the former 27-digit reference (with Modulo 10 recursive check digit) and is used for simple reconciliation of accounts receivable and incoming payments on the biller side, as in the past. 


The QR reference may only be used in combination with the QR-IBAN.

The Structured Creditor Reference (SCOR/ISO 11649 standard) has the same function as a QR reference. Unlike the QR reference, it is used for international payment transactions. You must use the SCOR reference together with the IBAN.