Swiss QR Bill Generator

What a QR bill actually is

The QR bill replaced the old orange and red payment slips in Switzerland. Since October 2022 banks don't process the old slips anymore, so if you send invoices to Swiss customers you need one. It's the strip at the bottom of the invoice, 210 by 105 millimetres, split by a dashed line. On the left sits the receipt, which the payer keeps. On the right sits the payment part with the Swiss QR Code, a normal QR code with a small Swiss cross in the middle.

The payer opens their banking app, scans the code, and sees a payment that's already filled in: your IBAN, your name and address, the amount, the reference. They check it and confirm. Nobody types a 21 character account number off a sheet of paper, which is where most payment mistakes come from.

People call it different things depending on where they live. In German it's QR-Rechnung or QR-Einzahlungsschein, in French QR-facture, in Italian QR-fattura. It's all the same standard, run by SIX for the Swiss banks.

Why another generator

Honestly, because the free options are annoying. The bank portals are fine if you bank there, but you log in first and they only take their own accounts. Accounting software does it well, but that's a monthly subscription for something you might need twice a year. A lot of the small generator sites were also built before November 2025 and still offer the combined address format that the banks no longer accept.

So this one does a narrow job properly. It builds the payment part to version 2.3 of the implementation guidelines, checks everything a bank would check, and gives you a PDF you can print or attach. No account, no upload, no watermark.

Filling in the form

IBAN or QR-IBAN

Only Swiss and Liechtenstein accounts work, so the IBAN starts with CH or LI and has 21 characters. The tool checks the length and the check digits before anything else. A single swapped digit is caught here instead of at your customer's bank.

If your bank gave you a QR-IBAN, you'll notice the reference field changes. A QR-IBAN is recognisable by the digits in positions five to nine, which fall between 30000 and 31999. It always comes with a QR reference, and that pairing is how many accounting systems match incoming payments automatically.

Your address

Name, street, building number, postcode, town and country, each in its own field. Postcode and town are required. Street and number are optional, which is handy for a P.O. box or a small village without street names.

Amount and currency

CHF or EUR. Write the amount with a dot or a comma for the decimals and no thousands separator. You can also leave it empty. The bill then prints a blank box where the payer writes the amount, which is what you want for donations, club fees with optional extras, or a collection for a colleague's leaving present.

Reference

This is the part people get wrong most often, so the tool does it for you. With a normal IBAN, type your invoice number, say 2026114, and it becomes a valid RF creditor reference with the right check digits. If you already have an RF reference from your software, paste it and it gets checked instead.

With a QR-IBAN, type your invoice or customer number, up to 26 digits. The tool pads it with zeros and adds the check digit, so you get the full 27 digit QR reference. If you paste a complete one, the last digit is verified. You can also leave the reference empty with a normal IBAN, in which case the bill simply has no reference.

Message and payer

The message shows up under Additional information, things like Invoice 2026-114 or a membership year. Up to 140 characters. The payer's address is optional. Leave it empty and the bill gets the empty corner-marked box where the payer writes their details by hand, which is normal for bills you print in bulk.

The November 2025 address change

Until November 2025 you could put a whole address into two free text lines, the so-called combined address, type K. That's gone. Since 21 November 2025 only structured addresses are allowed, with street, number, postcode and town in separate fields. Payment parts with type K addresses get rejected.

This generator only produces structured addresses, which is why the form has separate fields for everything. If an old template of yours still has the address in one block, that's the thing to replace.

Printing it so it scans

The A4 layout puts the payment part at the bottom of the page with the dashed line above it, ready to fold into an envelope or print on paper with a pre-perforated strip. If you're adding the bill to an existing invoice PDF, choose payment part only and you get a 210 by 105 mm page you can place yourself.

Print at 100 percent. Fit to page or shrink to margins makes the code smaller than the 46 millimetres the standard asks for, and some scanning apps get fussy about it. Use white paper, keep the dashed line, and don't put a logo or stamp on top of the strip.

Putting it on an invoice

If you don't have one yet, put it together with our invoice generator, then add the QR bill PDF as the last page or place the payment part at the bottom.

The QR bill isn't the whole invoice, just the payment part. You still need the invoice itself above it, with your items, dates and VAT number if you have one.

Checking the code before you send it

No banking app at hand? Take a screenshot of the code and drop it into our QR code scanner to read the same lines.

Scan the result with your own banking app once. You'll see exactly what your customer will see. If something looks off, fix it here and generate again, it takes a second. The box under the preview also shows the raw content of the code line by line, which helps when an accountant asks what's inside.

Payers outside Switzerland

Our EPC QR code generator makes that one, and it also runs entirely in your browser.

A QR bill is a Swiss thing. A customer in Germany or Austria with a German bank can't scan it, and their app won't understand the format. For them, a separate GiroCode is the better choice, pointing at a euro account if you have one.

What happens to your data

Nothing leaves the browser. The QR code, the preview and the PDF are all built right here in the tab, so your IBAN, your customers' addresses and the amounts never reach our server. You can check by switching off Wi-Fi after the page has loaded. It keeps working.

That matters more than it sounds. Invoices hold names, addresses and what someone bought from you. They have no business sitting on a stranger's server just because you needed a payment slip.