Paying QR bills
QR bills have been in circulation in Switzerland since 30 June 2020. We have updated the payment systems in BCV-net and BCV Mobile to make it easier for you to process both QR bills and the red (BV) and orange (BVR) payment slips that will be in use until 30 September 2022. We will keep you informed of any changes or measures you need to take if you use other types of payments.
- After a transition period, QR bills will permanently replace the current red (BV) and orange (BVR) payment slips at the end of September 2022. Beginning on 1 October 2022, you will no longer to be able to make payments in Switzerland using these slips.
- All payment details are contained in the QR code on the bill
- You can use your smartphone or a scanner to read the QR code
All account numbers will be in IBAN format
- All payment information is not just contained in the QR code, but also printed on the payment slip, so you can read it even without a scanner
- The black-and-white contrast has been improved, making the bills easier to read
- Scanning a QR code is simple – it's a quick, straightforward way to pay bills online with no chance of making a mistake
- The features for making other types of payments (like BCV-Top and standing orders) are still available
If you pay bills in BCV-net
Scan the QR code in BCV-net, for example with a dedicated QR code reader. Then simply enter any additional payment information, if needed, and your bill is ready to be paid.
Alternatively, you can manually enter the payment data that appear on the QR bill:
- the IBAN (21 characters)
- the beneficiary's name and address
- the reference number, if provided
- the payment amount
- any additional information provided (i.e., message to beneficiary)
Make sure that you enter and save the IBAN as shown on the QR bill. You should no longer use the previous account number saved in BCV-net.
If you make payments in BCV-net
- Simply use the new QR billing screens.
If you scan bills in BCV Mobile
- Scan the QR code on the bill using the app’s scan feature and confirm your payment.
If you use eBill
- You don’t need to do anything – this payment method won’t change. When you confirm an invoice, eBill automatically uses the payment data sent by the invoice issuer.
If you use bill payment software
- Your software needs to be up to date in order to process the payment details contained in QR bills. Please contact your software provider for more information about these updates. SIX has published a list of software partners that support QR billing.
- Make sure that your accounts are reconciled correctly and, where possible, start saving your creditors’ addresses in a standardized format, with separate fields for the street name and number, postcode, city, and country.
If you scan bills using an optical reader
- Replace your optical reader with a device that can read QR codes as well as the reference line on the current payment slips.
If you use paper payment orders
If you mail your invoice payments to BCV, you can also pay your QR bills this way. Simply detach the payment section of the bill and attach it to your payment order.
If you use standing orders
As soon as you receive a new QR bill from a beneficiary saved in a standing order or a payment group, you must delete your current payment order and create a new one based on the data shown on the QR bill. Otherwise, your payment may not be executed.