QR-bill

Creating invoices made easy

The QR-bill makes invoicing easier for your company and enables an efficient and automated accounts receivable process.

QR-bill: simplified invoicing

  • Compatible currencies: CHF and EUR

  • Create, print and send invoices independently using the QR generator

  • Automate the management of your incoming payments with accounts receivable software

In Switzerland, the QR-bill is standard for invoicing your receivables. You are free to choose the QR-bill type that you use for your invoicing. There are three variants for business customers. The table indicates which variant is most suitable for you.

UsageFeaturesBest service
Usage
With accounts receivable software
Features
Particularly useful for companies with a high transaction volume, as payments can be allocated automatically.
Best service
QR-IBAN with QR reference
Usage
Without accounts receivable software
Features
Suitable for invoices where payment allocation can be done manually.
Best service
IBAN without QR reference
Usage
Invoices mostly mailed abroad
Features
Solution for international invoicing, for which automatic allocation of incoming payments is required.
Best service
IBAN with Creditor Reference (SCOR)

QR-IBAN with QR reference

When using the QR-IBAN, the QR reference is mandatory and is always returned with the notification of the incoming payment from the invoice issuer. This makes it easy to close open receivables. To this end, Postfinance uses virtual accounts. You will receive one of these after registering.

Please complete the registration form in full, sign it with a legally valid signature and send it to the following address:
PostFinance Ltd  Scan Center  3002 Bern

Payment receipt control

You will be notified of incoming payments via detailed notification camt.054 or in the account statement with details camt.053.

IBAN without QR reference

If you do not require automatic reconciliation of your incoming payments with accounts receivable software, your regular IBAN with identification 09000 is sufficient (CHXX 0900 0XXX XXXX XXXX X). You will receive this after opening a business account with PostFinance. No QR reference is to be used. You have the option to specify a payment reference (max. 140 characters).

Payment receipt control

As standard, you will be notified of payment receipts in the account statement. If you do use software, it is possible to have payment receipts specified in detail as camt.054 or camt.053. Please get in touch with your contact person at PostFinance.

IBAN with Creditor Reference (SCOR)

If you mostly send invoices abroad, your regular IBAN with identification 09000 (CHXX 0900 0XXX XXXX XXXX X) is sufficient. You will receive this after opening a business account with PostFinance. The QR-bill with IBAN and optional Creditor Reference uses the international Creditor Reference in accordance with ISO 11649 (SCOR), which is also used in SEPA payment transactions.

Payment receipt control

As standard, you will be notified of payment receipts in the account statement. Where required, and if you are using software, it is possible to have payment receipts specified in detail as camt.054 or camt.053. Please get in touch with your contact person at PostFinance.

General information

Create a QR-bill

QR-bills can be created easily using accounts receivable software. This allows the open items in the accounts receivable software to be reconciled automatically. Based on your invoice volume and your automation requirements, check whether it would be worthwhile for you to use accounts receivable software.

Create QR-bills using our QR generator on the website or directly in e-finance.

Test system compatibility

Test the system compatibility of your newly created QR-bill directly online on the PostFinance test platform. Check the layout under “Visual control”. You can test the completeness of the content of the QR code under “Validate QR-bill”.

Send the QR-bill

To send the QR-bill as a hard copy, you will need to print it onto white, perforated paper. QR-bills you intend to send to the invoice recipient as PDFs via e-mail must include lines and a scissor symbol for separating the payment part and receipt. You can find perforated paper for QR-bills in the Postshop, in office supply shops or in recommended print shops.

Use QR-bill combined with e-bill

The e-bill is an ideal method to send QR-bills cost efficiently and without media disruption.

Price for invoice payers

Online transfers (via e-finance and PostFinance App)

Number of total transactions/year on total customer relationship Prices
Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments.
Up to 60,000
Prices
Free of charge 
Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments.
From 60,001 to 100,000
Prices
CHF 0.12/transfer 
Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments.
More than 100,000
Prices
On request

Inpayments at the counter are free of charge for invoice payers.

Price for payment recipients

Electronic transfers

Number of total transactions/year on total customer relationship Prices
Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments.
Up to 60,000
Prices
Free of charge 
Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments.
From 60,001 to 100,000
Prices
CHF 0.12/transfer 
Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments.
More than 100,000
Prices
On request

Inpayments at the counter

InpaymentsAdditional prices
Inpayments
Up to CHF 50
Additional prices
CHF 1.20/payment
Inpayments
Up to CHF 100
Additional prices
CHF 1.60/payment
Inpayments
Up to CHF 1,000
Additional prices
CHF 2.35/payment
Inpayments
Up to CHF 10,000
Additional prices
CHF 3.95/payment
Inpayments
For each additional CHF 10,000 or part thereof
Additional prices
CHF 1.25/payment
Inpayments
Entry of amount
Additional prices
CHF 0.04/document
Inpayments
Entry of debtor 
Additional prices
CHF 0.80/document
Inpayments
Reject 
Additional prices
CHF 1.20/document

QR-bill value dates

CategoryValue dates
Category
Electronic and paper-based account transactions 
Value dates
T + 0
Category
Counter payments
Value dates
T + 1
  • The QR-IBAN differs from the regular IBAN because of the use of a special institution identification – the QR-IID (value range 30000 to 31999). The QR-IID for PostFinance Ltd is 30000 and is included in the QR-IBAN as follows: CHXX 3000 0XXX XXXX XXXX X.

  • A virtual account is always a valid QR-IBAN and, in addition to the QR-IID, can be recognized by digits 10–12 in the IBAN: CHXX 3000 0XXX XXXX XXXX X. If digits 10–12 contain values other than three zeros, it is a virtual account.

    Several virtual accounts with the same or different entry or notification settings can be used on a business account. The credits are always made to the business account to which the virtual account is linked as per the settings selected. No account statements or interest statements are created for virtual accounts, only for the underlying business account.

  • The QR-bill replaced the red (IS) and orange (ISR) inpayment slips on 30 September 2022. The term "inpayment slip" is obsolete. Consequently, there are no such terms as QR inpayment slip or QR-ISR.

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