QR-bill for companies

The new QR-bill for a digital future

Since 30 June, the QR-bill has been making it easier for you to pay and issue invoices. Today's payment slips will be replaced after a multi-year transition period.

The QR-bill at a glance

Benefits for billers

  • Simplified issuing, including across Europe and in euros, thanks to the IBAN format
  • Efficient management of outstanding receivables thanks to the new electronic account reports

Benefits for bill payers

  • Fast payments – all of the payment information can be scanned and confirmed through the QR code
  • Error-free – reference numbers and billers no longer have to be entered manually

QR-bill – short guide

Essential information about the QR-bill and how to use it successfully – for both billers and payers.

How do I switch to QR-billing?

Biller with own billing software

To start working with QR-bills, your software must not only be able to issue QR-bills, but also to import the new electronic account reports in camt format. The following points must be noted:

  • Make sure that your billing software supports the versions of the QR-bill you have chosen.
  • If you currently reconcile your open items electronically using the v11 ESR credit file, you must switch your account reporting to the new standardized camt format 
    • camt.053: account statement with internal collective booking details, or
    • camt.054: separate collective booking details
  • The first six digits of the QR reference must be filled in with the existing BESR-ID as identification number. This prevents potential rejections and posting errors at the recipient bank (in case a QR-bill is mistakenly paid as an orange payment slip).
  • For printing, use white perforated paper
  • To make your transition to QR-bill as smooth as possible, we invite you to use our free test form before sending your first QR-bill. Please send examples of your QR-bills to the following address:

    UBS Switzerland AG
    Client Lifecycle Services
    E-Contracts
    P.O. Box
    CH-8098 Zurich

QR-Portal - referral solution with Unifits

In cooperation with UBS, the software company Unifits has developed a solution that allows you to generate your QR-bills yourself. In the Unifits QR-Portal under the link below, you can create payment parts, download and print your own QR-bills online and print them at home or forward them to your preferred print shop.

Please note the following before you click on the links below: UBS has no control over the content or websites of third parties, assumes no responsibility or guarantee for such content or websites, and makes no representations in this regard. This includes, among other things, the accuracy, content, functionalities, quality or timeliness of these websites. UBS is not liable for the content or websites of third parties or for websites that link to the UBS website or display them in frames. Any use of the contents of this website is the responsibility of the user and is at the user's own risk.

If you have any further questions about the self-service offer in the Unifits QR-Portal, please contact your client advisor. Please note, however, that for reasons related to Swiss bank-client confidentiality your client advisor may only provide you with limited assistance in creating QR-bills. The client advisor is not allowed to enter your personal client data in the QR-Portal for you.

In addition to Unifits' offerings, there are several other open source solutions available in the Swiss market from other providers that you as a biller can use. For example, you can generate QR codes for free under www.qr-rechnung.net or you can develop individual solutions under https://qr-rechnung.org and https://www.qr-invoice.ch.

If you use payment software, you must be able to process all three QR-bill variants with your software from the introduction date. Payment files can continue to be delivered via the UBS KeyPort interfaces (EBICS) and E-Banking. The digital payment of QR-bills will be possible in UBS Digital Banking (E-Banking and Mobile Banking), at a Multimat and using a paper-based order form from June 30, 2020, onwards.

You can also pay QR-bills using our UBS easy forms. In the same way as today’s payment slips, simply separate the payment part from the QR-bill and submit the UBS easy form for payments in CHF and the UBS easy international form for amounts in EUR. Please note that all the information printed or allowed to be added in handwriting on the payment part must always be provided along with the payment when making QR payments, regardless of whether this information is necessary for executing the payment. Handwritten additions (but not deletions) are only permitted if the amount and/or the bill recipient “Payable by” is missing.

The three versions of the QR-bill

The difference lies in the use of the IBAN and references.

QR-IBAN with QR reference (formerly ESR reference)

  • Reference always reliably included in the reports
  • Automated balancing of accounts receivables
  • Efficient account reporting with collective bookings

IBAN and Creditor Reference according to ISO 11649 standard

  • Bills that are paid mostly from outside Switzerland
  • Automated balancing of accounts receivables
  • Efficient account reporting with collective bookings

IBAN without a reference

  • Donations, promotions, events with unknown payers
  • No outstanding accounts receivables
  • Account reporting only as single bookings

Further information/conditions

Further information can be found in the following documents:

To make it easier for you to implement the updates, you can find the most important documents all in one place here.

The test platform provides a simulation of the client-bank interface. The test platform checks the generated client-to-bank reports and creates bank-to-client reports.

Scan & pay QR-bills with UBS Mobile Banking, in UBS E-Banking or at a UBS Multimat.