The QR-bill

Red and orange payment slips soon to be a thing of the past

From June 30, 2020, the new QR-bill will make it easier for you to issue and pay bills. The new bills contain all the payment information in the QR code and can simply be scanned digitally.

The QR-bill at a glance

Simple Create, print out and send bills online or using software

Practical The QR code contains all the relevant data and can be scanned and read no matter where you are

Flexible Can be used via analog and digital channels – for creating and paying bills

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 brochure pdf, 656 KB

How do I switch to QR-billing?

As a biller

If you currently use a BESR ID from UBS as a biller, a QR IBAN will be allocated to you for statements with a QR reference.

You must continue to use the BESR ID in the QR reference. You must take note of this in the event of any software adjustments.

For this purpose, or to order a QR IBAN for a new account, please contact your client advisor.

Are you already digitally aligning your BESR bills with the v11 report?

If so, you need to switch to one of the two new camt account reports. You should make the following adjustments before you send out your first QR-bill:

  • camt.053 account statement with internal collective booking details, or
  • camt.054: separate collective booking details
As a bill payer

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.

A brief explanation of the QR-bill

Video provided by SIX Interbank Clearing AG

The three versions of the QR-bill

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

Swiss standard

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
International standard

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
Simple payment

IBAN without a reference

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

Further information/conditions

Questions and answers on the QR-bill

Further information can be found in the following documents:

Documents for the harmonization of payment transactions

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

To the documents
Test platform

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.

Login/registration for test platform

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