Use of alternative schemes

The Swiss banks are assuming that in the future billers will want to offer their customers other alternative schemes in addition to bank transfers, some of which may not yet currently exist. To design the QR code to be future-capable for this purpose, the banks have built in an "alternative scheme" element at the end of the QR code. Additional information for up to two alternative schemes can currently be filled in here.

Additional information for up to two alternative schemes can currently be filled in here. The meaning of the first two characters of the "alternative scheme parameters" field is predetermined as follows:

1st and 2nd characters indicate the schemes to which the filled in parameters belong
3rd character defines the separator with which the subsequent parameters are separated

Notes

Alternative schemes

No alternative schemes are yet supported. The first such schemes are anticipated in the coming months and will be published here
Scheme providers that would like to use the QR code can contact PaymentStandards.CH to clarify the options and further schemes.

Implementation through providers of solutions for billing

During the implementation of this function, providers of software solutions must make sure that the use of alternative schemes can be managed through the master data. For each biller it must be possible to define whether, and to which schemes, this information should be sent. It is recommended that an internal solution be prepared for the use of procedures that can later be easily upgraded. If a bill recipient should receive information about a specific scheme, then the "alternative scheme parameters" field should be filled in with values according to the specifications of the scheme owner.