As part of the payment transaction harmonisation process in Switzerland, the red and orange payment slips are being replaced by the QR-bill with effect from 30 June 2020.
The benefits of the qr-bill
- Simplified invoice processing
- All payment information digitally integrated in the QR Code
- Fewer reading errors
- Saves time and money through reduced manual work
- Supports digital payments and those handled by mail or at the post office counter.
- Simplified payment reconciliation, less manual work
- Electronic transmission of all payment information
- Printed on white paper
What is changing?
The QR-bill is replacing the existing payment slips. A QR code in the payment part – marked with a Swiss cross at the centre – now contains all payment-related information. The IBAN and QR-IBAN replace the account number. The QR-IBAN will be communicated to the corresponding customers at the beginning of 2020.
The QR-bill is suitable for all payment types (including eBill) and supports billing in CHF and EUR.
There are three types of QR-bill:
- Replaces the orange payment slip (ESR) in CHF.
- With QR IBAN and QR reference.
- Replaces the orange payment slip (ESR).
- With IBAN and Creditor Reference (ISO standard which is also used in SEPA payment transactions).
- Replaces the red payment slip (ES) in CHF.
- For bank transfers without a reference.
What needs to be done?
There are currently no changes for private persons. There is no need for you to take any further action. For companies, please note the following: the QR-bill will be introduced throughout Switzerland from 30 June 2020. There is a transitional period until the end of 2022 during which the old payment slips and the new QR-bill can be used.
However, every company that needs to make payments will need to be able to pay its QR-bills with all data elements with effect from 30 June 2020. Companies that issue invoices with payment slips will need to switch their printing templates over accordingly and make sure that their billing system is able to generate the QR codes.
The need to make such adjustments depends on their hardware and software infrastructure. Check technical adjustments in good time and contact your software partner, so that you are ready to
pay QR-bills using automated software on 30 June 2020.
With effect from 30 June 2020, it will be possible to capture both red and orange payment slips and QR-bills in Bank CIC’s eLounge.
- If you use creditor management software, we recommend that you contact your software partner. When entering payments, your software must support the QR-bill with its additional information. The software must be able to generate the payment order pain.001 according to the QR-bill form.
- Check your vendor master data and add the IBAN and QR IBAN if required.
- Check your readers and scanning platforms and make sure that your hardware and software can read QR codes.
- If you use payment slip creation software, we recommend that you contact your software partner. Your software must be able to execute the guidelines on creating QR-bills as stipulated in the Swiss Implementation Guidelines QR-bill.
- If you harmonise incoming ESR payments and outstanding receivables with the v11 message, then it is necessary to switch to camt messages before you send your first QR-bill. The QR-IBAN will be communicated to the corresponding customers at the beginning of 2020.
- For notifications, the details on incoming and outgoing payments can be taken from the QR-bill with camt messages (camt.052/053/054).