Companies in the planning phase

QR-bill - what you need to do now

  • Bill recipients have to ensure that their current software systems are compatible with ISO 20022 and can meet the requirements for the processing of QR-bills. They must also keep in mind that, during the transition period up to September 30, 2022, they will have to be able to process both the traditional payment slips and the new QR-bills in parallel.
  • Billers will be able to invoice their receivables using the QR-bill. They must adjust the invoicing software so that a QR-bill can be printed and incoming payments can be balanced in the new camt.054 QR format.
  • Master data
    Please also note that the QR-bill only accepts IBANs and QR-IBANs as account number, which is why an update of your payment data is also required. 

Contact your software manufacturer

Talk to your software manufacturer about the timeline so that your software updates for the migration of payment and invoicing processes using QR-bill can be initiated in a timely manner.

What you need to know about the QR-bill

The QR-bill with digital and analogue elements will simplify payment processing. All the billing information is included in both the Swiss QR code and the payment section. The Swiss QR code can be digitally scanned and processed and supports automated payment entry. Software, printers and scanners/readers must be adapted so that QR codes can be generated and processed.

QR-bill generator for billers

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. Billers can generate three types of QR-bills:

  • QR-bill with IBAN and no reference (with or without a reason for payment)
  • QR-bill with IBAN and creditor reference in accordance with the ISO 11649 standard 
  • QR-bill with a QR-IBAN and structured reference


QR-bill – three types

QR-bill/payment part with QR-IBAN and structured reference

This version is based on the current ISR process and offers additional benefits. The structured QR reference has the same design as the ISR reference. It is used in conjunction with the payee's QR-bill - three types. The six-digit internal participant number in the reference is omitted. The QR-bill - three types is characterized by its special IID (institution identification/clearing number), which is used to identify the payment procedure. This identifier ensures that the reference is checked and always entered correctly when the payment order is submitted so that the downstream processes can then be fully automated right up to reconciliation by accounts receivable.

QR-bill/payment part with IBAN no reference

This variant is equivalent to today's red payment slip, and is valid for bank transfers with or without a reason for payment. As is already the case, notification will take the form of a credit advice slip or a booking in the corresponding account statement.

QR-bill/payment part with IBAN and Creditor Reference

This type of QR-bill supports the Structured Creditor Reference (SCOR), which is used in Europe in particular. This reference is an ISO standard, is used together with the IBAN, and can also be used for payment in SEPA.  

Advantages of the QR-bill

  • Fewer forms and inpayment slips – simplified processing
    The QR-bill will replace the orange and red inpayment slips.
  • Automated payment processing – less manual work
    The payment information in the Swiss QR code can be processed by machine; payment processing becomes more efficient thanks to automation.
  • More information – increased transparency
    With the QR-bill, additional and more precise payment information can be provided compared to orange and red inpayment slips.
  • Consistent data – more efficient reconciliation
    The consistent use of IBAN or QR-IBAN and the use of structured reference numbers enables end-to-end processing from invoicing to account reconciliation.

We are here to assist you in migrating to the new ISO 20022 standard. 

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Companies in the implementation phase

Implementation guidelines for QR-bill

The following guidelines will help you implement QR-bill.


Our Specifications Help You with the Implementation

Based on the Swiss Implementation Guidelines, Credit Suisse has summarized its own specifications and recommendations for software partners and clients who use their own software solutions.

Test Your Implementation – Easily and Independently

We provide you with a comprehensive test platform that enables you to easily check test files in the new pain.001/XML format yourself. The test platform shows you positive and negative test results and consolidates the errors and warnings in a summary.

Our test platform can be used both by manually uploading and downloading files as well as with a direct connection via EBICS and SFTP.

Go to the ISO 20022 Test Platform
List of Compatible Software for Payment Transactions (PDF)