QR-Bill

Supporting material for the introduction of the QR bill in Switzerland.

Issues and discussions

Swico is collecting issues about its validator and the QR bill implementation guidelines on this dedicated issues page.

Sample invoices

ERP	Version	Sample file	Format	Date added
synthetic		sample-0002-swico-synthetic.png	PNG	2019-11-07
Run my Accounts	2.8.52	sample-0003-run-my-accounts.pdf	PDF	2019-12-05
Crésus	13.0-preview	sample-0004-cresus.pdf	PDF	2019-12-12
Crésus	13.0-preview	sample-0005-cresus.pdf contains multiple VAT rates	PDF	2019-12-12
BCGE sample	n/a	sample-0006-bcge-vierge.jpg QR-IBAN, QRR, no amount, no payer IBAN not OK, contains spaces	JPEG	2020-01-08
BCGE sample	n/a	sample-0007-bcge-complete.jpg plain IBAN, with payer IBAN not OK, contains spaces	JPEG	2020-01-08
Sage 200	n/a	sample-0008-sage200.pdf multiple payment conditions including 5% discount and 2% discount	PDF	2020-01-14
Abacus Immobilien	n/a	sample-0009-abacus-immobilien.pdf contains multiple invoices	PDF	2020-02-01
Proffix	4.0.1020	sample-0010-proffix.pdf updated on 2020-04-09	PDF	2020-04-09
Abraxas JURIS	n/a	sample-0011-abraxas-juris.pdf	PDF	2020-02-26
Messerli	n/a	sample-0012-messerli-informatik.pdf QR-IBAN, QRR, Swico-string, VAT, etc.	PDF	2020-02-28
Messerli	n/a	sample-0013-messerli-informatik.pdf plain IBAN without additional information	PDF	2020-02-28
SAP	n/a	sample-0014-sap-de.pdf invoice in German	PDF	2020-03-05
SAP	n/a	sample-0015-sap-de.pdf invoice in French	PDF	2020-03-05
SAP	n/a	sample-0016-sap-de.pdf invoice in Italian	PDF	2020-03-05
QR Invoice Java	1.8	sample-0017-codeblock-qrinvoice-java.pdf	PDF	2020-06-04
QR Invoice Java	1.8	sample-0018-codeblock-qrinvoice-java.png	PNG	2020-06-04
QR Invoice Native	2.1	sample-0019-codeblock-qrinvoice-native.pdf	PDF	2020-06-04
QR Invoice Native	2.1	sample-0020-codeblock-qrinvoice-native.jpg	JPEG	2020-06-04

QR-Bill Validator

Swico provides a dedicated QR-code validator, which can be used to validate not only the plain payload of the QR-code, but also the syntax of the additional structured payment information (also known as Swico-String).

It accepts either plain text files which represent the payload of the QR-code, or image files (PNG format) which contain the QR-code to analyse. You can also upload a PDF and it will try to identify and extract the first valid QR-code.

Sample values

QR-IBAN

Spaces in the QR-IBAN must be removed when stored in the QR-code payload.

• CH44 3199 9123 0008 8901 2 → fictitious QR-IID.
• CH78 3000 0000 1001 5000 6 → PostFinance, fictitious (invalid) account number.
• CH05 3000 5230 5042 2318 T → UBS, fictitious account number with invalid checksum.
  Source: clearit 79.
• CH06 3000 5230 5042 2318 T → UBS, fictitious account number (same as above, with correct checksum).
• CH51 3000 0001 2500 9034 2 → PostFinance, fictious virtual account number 1 for 25-009034-2.
  Source: Neues von PostFinance Nr. 2 November 2019.
• CH30 3000 0001 2500 9072 0 → PostFinance, fictious virtual account number 1 for 25-9072-0.
  CH82 3000 0002 2500 9072 0 → PostFinance, fictious virtual account number 2 for 25-9072-0.
  Source: Virtual accounts as replacement for ISR subscriber numbers
• CH80 0078 8000 0506 6413 3 → BCGE, sample 1, fictious IBAN for Jean-Jacques Genevois.
• CH05 3078 8000 0506 6413 3 → BCGE, sample 1, matching QR-IBAN for Jean-Jacques Genevois.
• CH53 0078 8000 0506 6413 4 → BCGE, sample 2, fictious IBAN for Jean-Jacques Genevois.
• CH75 3078 8000 0506 6413 4 → BCGE, sample 2, QR-IBAN for Jean-Jacques Genevois.
• CH58 0078 8000 Z321 8002 5 → BCGE, sample 3, fictious IBAN for Jean-Jacques Genevois.
• CH84 3078 8000 Z321 8002 5 → BCGE, sample 3, QR-IBAN for Jean-Jacques Genevois.
• CH79 0078 8000 C330 1425 5 → BCGE, sample 4, fictious IBAN for Jean-Jacques Genevois.
• CH08 3078 8000 C330 1425 5 → BCGE, sample 4, QR-IBAN for Jean-Jacques Genevois.
• CH50 3100 0012 3456 7800 9 → CS, fictious QR-IBAN for CH56 0483 5012 3456 7800 9.

How are QR-IBANs built?

BCGE (QR-IID 30788)

• Format CHxx 30788000 aaaa aaaa a.
• One-to-one correspondance between QR-IBAN and IBAN.
• aaaa aaaa a matches customer IBAN CHxx 0078 8000 aaaa aaaa a.

PostFinance (QR-IID 30000)

See 04 Virtual accounts (PDF) found on PostFinance's dedicated QR bill information site.

PostFinance provides its own test platform.

• Format CHxx 3000 0nnn aaaa aaaa a
• Up to 999 QR-IBAN for a given account.
• nnn collection prefix, can be chosen by customer (001, 002, etc.).
• aaaa aaaa a has to match customer account number aa-aaaaaa-a.

Credit Suisse (QR-IID 31000)

• Format CHxx 3100 00aa aaaa aaaa a.
• One-to-one correspondance between QR-IBAN and IBAN.

QR-IIDs

• German: Test-Bankenstamm mit QR-IIDs.
• French: Fichier des banques de test avec QR-IID.

QR-Reference (QRR)

Spaces in the QR reference must be removed when stored in the QR-code payload.

• 21 0000 0003 13947 14300 09017 → taken from clearit 79

Structured Creditor Reference (SCOR)

Spaces in the structured creditor reference must be removed when stored in the QR-code payload.

• RF48 5000 0567 8901 2345 → taken from clearit 79

Resources for developers

• Manuel Bl. published two open source projects on GitHub: SwissQRBill Java project and SwissQRBill .NET project.
  They can be tested online here...
• Epsitec SA provides an interactive website to produce QR bills, and also to test their payment:
  www.qr-bill.online