Automatic QR-bill on every Swiss invoice

The QR payment part replaced the old orange and red payment slips, which stopped being accepted on 30 September 2022. The QR code carries the account, the amount, the currency, both addresses and a reference — and that reference is what tells the bank, and your system, which invoice was paid.

The account decides the reference. A QR-IBAN is recognised by digits 5 to 9, between 30000 and 31999, and only accepts the QR reference (QRR): 27 digits, the last of which is a check digit. A regular IBAN uses the SCOR creditor reference from ISO 11649, which starts with “RF” and runs to at most 25 characters — or no reference at all.

• QR-IBAN with a QRR reference, always in Swiss francs (a rule of version 2.4 of the SIX guidelines).
• Regular IBAN with a SCOR reference, in francs or euros.
• Regular IBAN without a reference (NON): allowed, but the payment arrives with nothing that links it to the invoice on its own.

There is no separate QR-bill step: it comes from data the invoice already holds.

1. 1

   You register the bank account once. Megorix identifies a QR-IBAN from the number itself, not from a manually ticked option that can end up wrong.

2. 2

   On the invoice you pick the account: with a QR-IBAN the reference is fixed to QRR; with a regular IBAN you choose SCOR or no reference.

3. 3

   On saving, the QRR reference is computed with its check digit (recursive modulo 10). Combinations the bank would reject — QRR without a QR-IBAN, QRR outside francs, a QR-IBAN with SCOR — never get saved.

4. 4

   On issuing, everything is checked again, and the PDF carries the receipt, the payment part and the QR code with the Swiss cross, at the size the standard sets, plus the scissors cut line.

5. 5

   When the payment arrives, the same reference comes back in the bank file and bank reconciliation finds the invoice on its own.

Most problems don't show on the printed invoice: they surface when the customer scans the code or when money arrives without a reference.

1. 1

   A QRR reference on a regular-IBAN account, or SCOR on a QR-IBAN account — Megorix won't save it.

2. 2

   Addresses written on a single line: since November 2025 only structured addresses are accepted, with street, number, postcode and town in their own fields — which is how Megorix stores them.

3. 3

   A check digit copied by hand with one digit wrong — the QRR is always computed by the system.

4. 4

   A QR code printed too small, or without the Swiss cross the standard requires.

5. 5

   A payment slip on a credit note, asking the customer to pay again — in Megorix, credit notes carry no slip.

The QR-bill works in the two currencies the standard allows: Swiss francs and euros. A euro invoice goes out from a euro account with a regular IBAN, with a SCOR reference or none; Megorix refuses to issue if the account's currency differs from the document's, because the bank would have to convert the payment.

It is for businesses based in Switzerland or Liechtenstein, the two countries the company profile accepts as issuer. The slip's wording — “Zahlteil”, “Section paiement”, “Sezione pagamento” or “Payment part” — follows the invoice language when that is German, French, Italian or English.