The crucial role of the software partners

As a software partner – i.e. as a software producer, software provider, IT consultant or an IT department within a company – you will play an essential role when it comes to the harmonization of payment traffic.

You are the hub between business customers and financial institutions. Please note that

  • the  Swiss payments harmonization is complex and represents major challenges for software producers, companies and financial institutions alike.
  • the central steps and joint plans of the Swiss financial center are defined and set. Therefore, the deadlines for the various phases and stages are binding for software producers.
  • all bill recipients must be enabled to pay QR-bills.

Recommendations for software partners

The following procedure is recommended to match the design requirements of the QR-bill with your software services:

  • Blueprint
    Analyze the consequences for your products and customers. 
  • Analyses
    Evaluate your customers work today and which requirements and potentials exist for additional products and services.
  • Implementation of the QR-bill
    Integrate the ISO 20022 requirements for the QR-bill in your product development. 
  • Testing
    Plan and coordinate the testing. Extensively test the QR bill early on and free of charge on the SIX validation platform.
  • Rollout and Support
    Consider when and how you will inform your customers.

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.



Corner marks and scissors symbol

Templates for the payment part and the receipt of the QR-bill

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.

Swiss QR Code

Schweizer Kreuz / Croix suisse / Swiss cross