Financial institutions: Migration through their own efforts

Financial institutions: Migration through their own efforts

Financial institutions are basically responsible for their own systems' migration to the QR-bill. They are also independent when it comes to the information and cooperation with bank customers and software partners.

As a financial institution, you should support your customers during the migration. It is important that you:

  • Inform your customer representatives about the situation early on and integrate them into your migration plans;

  • Make the positions in charge within your organization aware that the migration is mandatory from a regulatory perspective. Only with a compliant migration can you adhere to the rules stipulated by the Money Laundering Act and other regulations;

  • Make your business customers aware of the advantages, the time sequence, the necessity and the specific steps involved in the migration;

  • Show your business customers what they specifically must do during the migration. Especially point out to your business customers that they should involve their IT department or software partner;

  • Inform your business customers that, in addition to questions about software (e.g. about updates to programs and interface) questions concerning hardware (e.g. reading devices for the new inpayment slip of the printers needed) may arise.

The facts in brief

  • The current payment slips will be replaced by the QR-bill. Therefore, as a financial institution, you must be able to process your customers’ QR-bills.
  • Encourage your corporate customers, as billers, to migrate to the new QR-bill and camt messages for payment credits.
  • Instruct your customers that when purchasing a new reader for the new QR-bill they must make sure that it supports the QR code.

Topical question

Can the payer change certain contents of the QR-bill in the payment interface before initiating the payment in e-banking, mobile banking or with a payment software?

Before triggering the payment in e-banking, mobile banking or via a payment software, the payer can change some specific contents in the payment interface. For the QR-bill, this applies not only to the amount, but, among others, also to the elements “Additional information” or “Unstructured message”, as well as to the address of the debtor. All elements that are permitted in Swiss payment transactions can also be used or added to the addresses in the payment order, such as those of the debtor or the ultimate debtor. This can lead to the situation that address data in the credit advice do not match with those in the issued QR-bill. When the payment order is processed, the information of the debtor (account holder) are retrieved from his bank’s master data. This information can also contain any of the permitted elements of the structured address. (Source: Style Guide, page 10)



Check-list QR-fattura

Questo documento serve da modello di riferimento per le informazioni di grandi emittenti di fatture.

Linee guida per i colloqui

Questo documento si rivolge alle o ai consulenti bancari

Manuale per l’introduzione per istituti finanziari

Check list, casi di test ed esempi per agevolare l’introduzione della QR-fattura


Processing rules for QR-bills

Description of the banking rules and related processes for the creation of a QR-bill and the processing of a payment part with Swiss QR Code and a receipt, including related business processes.

Style Guide QR-bill

Layout rules and recommendations for the payment part with Swiss QR Code and for the receipt