Swiss QR-bill
Country: Switzerland (CH) | Payment Rail: bank_clearing
BankTransfer
Market Adoption: 18%
Swiss QR-bill is Switzerland's national standardized QR invoice and bank transfer system, featuring structured QR data for mobile banking scanning widely used for e-commerce invoicing and B2B settlements.
🔄 User Payment Flow
- User chooses Purchase on Invoice / QR-bill at merchant checkout
- Merchant generates invoice with embedded Swiss QR Code and structured reference
- User opens Swiss mobile banking app and scans Swiss QR code
- All payment details (IBAN, creditor, amount, reference) populate automatically
- User authorizes bank transfer and invoice is settled
⚙️ Characteristics & Settlement
| Instant Payment | NO |
| Supports QR | YES |
| Supports Recurring | NO |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant ERP / invoicing system generates compliant Swiss QR-bill PDF or digital slip
- Customer receives bill with goods or via email
- Customer pays via online banking or post counter
- Merchant bank provides automated camt.054 XML reconciliation file
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Adyen