Swiss QR Code Generator – QR-Bills for the Swiss Payment System

What Is a Swiss QR Code?

The Swiss QR Code is a standardised QR code used on QR-bills (QR-Rechnung) – the payment slip format that replaced traditional orange (ESR) and red (ES) payment slips in Switzerland on 30 September 2022. Developed under the ISO 20022 harmonisation initiative led by SIX Group, the Swiss QR Code encodes all payment-relevant information in a structured data format that can be scanned with banking apps and payment terminals.

A Swiss QR Code always contains a Swiss cross in the centre of the QR symbol. This visual identifier distinguishes it from ordinary QR codes and signals to the user that it is a payment QR code that can be scanned with a Swiss banking app.

The QR-bill consists of two parts: a payment part with the QR code and a receipt part. Both are printed on the invoice or as a separate attachment, and can be used for payment via e-banking, mobile banking, or at the post office counter.

Technical Specifications

The QR-IBAN is a special IBAN format used with QR references (QRR). It contains a specific IID range (30000–31999) that banks use to identify QR-bill payments. Regular IBANs are used with creditor references (SCOR) or without reference (NON).

Data Fields in a Swiss QR Code

The structured payload contains the following key fields, separated by line breaks:

• • Header: SPC (Swiss Payments Code) + version (0200) + coding type (1 = UTF-8)
• • Creditor information: IBAN/QR-IBAN, address type (S = structured or K = combined), name, street, postal code, city, country
• • Payment amount: Amount (optional, can be left blank for donations) and currency (CHF/EUR)
• • Debtor information: Payer name and address (optional, can be filled in by the payer)
• • Reference: Reference type + reference number (for payment matching and reconciliation)
• • Additional information: Unstructured message and billing information (Swico format for invoice details)

How to Create a Swiss QR Code

1. 1. Open the Barcode Generator and select Swiss QR Code.
2. 2. Enter the creditor IBAN (or QR-IBAN), creditor name and address, amount, currency and reference number.
3. 3. The generator validates the IBAN, formats the structured payload according to SPC 0200 specifications and renders the QR code with the Swiss cross.
4. 4. Download and integrate the QR code into your invoice template. Test with a Swiss banking app before sending to customers.

All processing happens in your browser – no data upload, no registration, no limits.

Swiss QR Code Compliance Tips

• • Swiss cross is mandatory: The 7×7 mm Swiss cross in the centre of the QR code is required by the specification. Do not remove or replace it.
• • Print at exactly 46×46 mm: The QR code must be printed at this specified size for reliable scanning at postal counters and with mobile apps.
• • Black on white only: The QR code must be printed in black on a white background. No colours, no inverted printing.
• • QR-IBAN for QR references: If you use a QR reference (QRR), you must use a QR-IBAN. Regular IBANs require creditor references (SCOR) or no reference (NON).

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