Swiss QR-bill
国家/地区: 瑞士 (CH) | 底层清算轨道: bank_clearing
BankTransfer
市场普及率: 18%
Swiss QR-bill 是瑞士央行与 SIX 集团联合制定的国家标准统一二维码账单支付体系，以结构化扫码与网银即时转账为核心，广泛用于电商货到付款、公用事业开票及企业 B2B 结算。
🔄 用户付款交互流 (User 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
⚙️ 支付与结算特征
| 即时清算 | NO |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Adyen