QR-bill

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Example of a QR-bill with fictitious information

The QR-bill (French QR-facture , English QR-bill ) is a standard of the Swiss financial industry for machine-readable invoices . Since June 30, 2020, it has been gradually replacing the various previously used payment slips . It is intended to make a contribution to the digitization of payment transactions in Switzerland.

The QR-bill contains a payment part with information about the amount to be paid, sender and recipient of the payment, as well as information about the reason for the payment. This information is provided both machine-readable as a QR code and as text. On the other hand, like the previous payment slips, the QR-bill also includes a receipt.

Structure and use

The QR-bill can either be printed in the lower part of the invoice document or enclosed with it as a separate sheet. It measures 210 mm × 105 mm ( DIN long ) with the payment part and receipt . The font is Arial , Frutiger , Helvetica or Liberation Sans in black with a size of between 10 and 6 points for the content and 11 points for the titles.

Payment part

The payment part is in the DIN A6 format landscape (148 mm × 105 mm). It contains the QR code and a text that both contain the same thing: currency and amount, account number ( IBAN ), account holder, details of the person liable for payment, reference (Creditor Reference, ISO 11649 ) and a free text field of 140 characters for additional information. This can contain a message or information about the reason for payment as well as further information about the invoice. The currencies are Swiss Francs and Euros .

Optionally, the payment part also includes information on the ultimate payee and details of alternative payment methods such as B. Twint . If information is missing in the invoice, which is to be filled in by the payer, the corresponding areas are left blank and bordered with corner marks.

QR code

The QR code in the payment part is intended to be read into software with a camera. Payers save having to type in the details in e-banking .

The QR code (referred to as “Swiss QR Code”) complies with the ISO 18004 and EPC QR code standards . It stores 997 characters with an error tolerance of 15%. Its dimensions are 46 × 46 mm with a white border of 5 mm. As a distinguishing feature, the code is overlaid in the middle with a 7 × 7 mm Swiss cross .

Receipt

The receipt is stamped or signed when paying in at the counter and can be used as proof of payment. It contains the following information from the payment section: account / payable to, reference, payable through, as well as currency and amount.

pressure

The QR bills are printed in black on white paper. Companies no longer have to use expensive color printing or special paper for invoices. If the QR-bill is integrated into a paper bill, it must be separable from the rest of the bill with a perforation .

history

In 2016, the SIX Group , which operates the infrastructure for the Swiss financial center, announced an initiative to harmonize and modernize payment transactions in order to introduce the UNIFI (ISO 20022) standard. The financial institutions implemented this standard in December 2017. In June 2018, the Swiss standard DTA for the transmission of payment information was also replaced by the international standard pain.001 .

In November 2018, SIX presented the QR-bill, which should enable the complete digitalization of payment flows in Switzerland as the final stage of the modernization initiative. Since June 30, 2020, the QR-bill has been gradually replacing the previous, only partially machine-readable payment slips. This date also corresponds to the end of the deadline for financial institutions to fully implement the ISO 20022 standard.

Web links

Individual evidence

  1. ↑ Swiss Payment Standards 2019: Swiss Implementation Guidelines QR-bill. In: paymentstandards.ch. SIX, p. 9 , accessed on June 28, 2020 .
  2. ↑ a b Implementation Guidelines, p. 14
  3. ↑ a b Implementation Guidelines, p. 15 ff.
  4. ↑ a b Reto Widmer: QR code - technology has now definitely arrived in everyday life. In: SRF. June 27, 2020, accessed June 27, 2020 .
  5. ↑ Implementation Guidelines, p. 9.
  6. ↑ Implementation Guidelines, p. 19 f.
  7. ↑ Implementation Guidelines, p. 13.
  8. ^ Swiss banks finish migration to ISO 20022. In: Finextra. December 6, 2017, accessed June 27, 2020 .
  9. ↑ Zone Bourse: Banque Cantonale de Geneve: Fin des DTA et passage au format pain.001 | Zone bourse. Retrieved June 27, 2020 (French).
  10. ↑ Switzerland gets ready for QR bill payments. In: Finextra. November 16, 2018, accessed June 27, 2020 .
  11. ↑ Introduction of the QR-bill - this is how SMEs take precautions. In: SME portal of the federal administration. Retrieved June 27, 2020 .