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.
  • You can determine the exact duration of parallel operation for your financial institution, as long as the end date for parallel is not yet set.
  • 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

Is a perforation mandatory on a QR-bill between the invoice and the payment part as well as between the payment part and the receipt?

Perforation of the payment part is mandatory if the QR-bill is to be printed out and mailed. Should the QR-bill with the payment part and receipt or the payment part with the receipt be prepared or electronically sent as a separate PDF document, the A6 format of the payment part and the receipt placed on the left-hand side is to be marked with lines. Moreover, on each line there has to be a scissors symbol or alternatively an instruction: “Separate before paying in” placed above the line (beyond the payment part).

Perforated paper may be obtained from printing companies.



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