Swiss QR-bill
Swiss QR-bill codes reduce manual entry by placing payment details inside a QR code that banking apps can read. The payload is sensitive to IBAN type, structured address fields, amount, currency, reference type, and invoice message.
QR Code Crafter creates the QR payload and downloadable QR image. It does not generate the full printable Swiss QR-bill payment part, receipt, layout rules, Swiss cross, bank validation, or payment processing. Use your bank or invoicing software for final compliance and acceptance checks.
Key decisions
Structured address fields
Use separate street, building number, postal code, city, and country fields for the creditor and optional debtor address.
Reference-aware payloads
Use QRR with a QR-IBAN and valid QR reference, SCOR with an ISO creditor reference, or NON when the payment should not include a structured reference.
Static files for print checks
Export SVG, PDF, EPS, PNG, JPG, or WebP QR assets for invoice templates, payment instruction pages, internal review, and handoff to design or finance teams.
Swiss QR-bill workflow choices
| Decision | Recommended choice | Check before issuing |
|---|---|---|
| Address format | Structured address type S with separate street, building, postal code, city, and country fields | Do not use older combined/unstructured address payloads for new QR-bill work. |
| QRR reference | QR-IBAN plus a valid 27-digit QR reference | Confirm the QR-IBAN and reference with the receiving bank or accounting system. |
| SCOR reference | Normal Swiss/Liechtenstein IBAN plus ISO 11649 creditor reference | Validate the RF reference and show readable invoice context beside the QR code. |
| Blank amount | Leave amount blank when the payer should enter the total in their bank app | Make the expected amount clear in the invoice or surrounding instructions. |
| Full QR-bill output | Use QR Code Crafter for the QR payload and image only | Use compliant invoicing software for payment-part layout, receipt, Swiss cross, and final checks. |
| Print production | SVG, PDF, or EPS QR asset | Protect quiet zone, contrast, size, and readable fallback payment details. |
Build a structured Swiss QR-bill payload
Swiss QR-bill data needs the right field structure before it belongs on invoices or payment instructions.
Confirm the account type
Use a Swiss or Liechtenstein IBAN. If you choose QRR, the account must be a QR-IBAN in the permitted QR-IID range.
Split addresses into fields
Keep street, building number, postal code, city, and country separate for creditor and debtor details instead of combining address text into one line.
Choose the reference type deliberately
Use NON for no structured reference, QRR for QR references, or SCOR for ISO creditor references. Regenerate the static code when the reference changes.
Keep the QR payload separate from layout compliance
The QR image is only part of a Swiss QR-bill. Final invoice layout and payment acceptance need bank or invoicing-system validation.
Prepare Swiss QR-bill codes for print and bank-app scans
Payment QR codes need readable fallback details and careful proofing before they are sent to customers.
Show readable payment details
Display creditor name, IBAN, amount, currency, reference, and invoice message near the QR code so payers can verify what they are scanning.
Use production-safe exports
Use SVG, PDF, or EPS for invoice templates and printed proofs. Use PNG, JPG, or WebP for digital payment instructions.
Test with real banking workflows
Scan the finished code with the banking apps and validation tools your customers use, then confirm displayed recipient, amount, reference, and message.
Replace static codes when details change
A static Swiss QR-bill code cannot update itself. Generate a new code whenever IBAN, address, amount, reference, debtor, or invoice message changes.
Swiss QR-bill code checklist
- Confirm the Swiss or Liechtenstein IBAN belongs to the intended creditor.
- Use structured creditor address fields: name, street, building number, postal code, city, and country.
- Add debtor structured address fields only when you have complete debtor name, postal code, city, and country data.
- Use QR-IBAN plus a valid QR reference when reference type is QRR.
- Use a valid ISO 11649 RF creditor reference when reference type is SCOR.
- Show readable payment details beside the QR code on invoices and payment pages.
- Validate the final QR image with your bank, accounting system, or QR-bill validation workflow before issuing invoices.
How to make a Swiss QR-bill QR code
- 1
Enter account and creditor details
Add the Swiss or Liechtenstein IBAN and structured creditor address fields that should appear in the QR payload.
- 2
Set amount, currency, and reference
Choose CHF or EUR, decide whether the amount is fixed or blank, and use NON, QRR, or SCOR according to your payment workflow.
- 3
Export, scan, and validate
Download the QR asset, scan it in banking apps, and verify the full invoice output with your bank or invoicing software before sending.
Frequently asked questions
Does QR Code Crafter create a complete Swiss QR-bill?
No. It creates the QR payload and QR image only. Use your bank or invoicing software for the complete payment part, receipt, layout, Swiss cross, and final acceptance checks.
Why does the form require structured address fields?
Swiss QR-bill v2.3 uses structured address type S. The address should be split into street, building number, postal code, city, and country fields.
Can I use QRR with a normal IBAN?
No. QRR references require a QR-IBAN and a valid 27-digit QR reference. Use NON or SCOR when your workflow uses a normal Swiss or Liechtenstein IBAN.
Can I leave the amount blank?
Yes. Leave the amount blank when the payer should enter the total in their banking app, but make the expected amount clear in the surrounding invoice or payment instructions.
Which file format should I use for invoices?
Use SVG, PDF, or EPS for print and invoice templates because they stay sharp when resized. Use PNG, JPG, or WebP for digital payment instructions.