Set up the QR-bill
The QR-bill is the payment part of your invoices. Your client scans it with their bank’s app: the account, the amount and the reference fill in on their own. When the payment arrives, the reference tells To Bill which invoice it settles.
You only provide one thing: the IBAN of the account that receives your payments. To Bill recognises which kind of account it is and chooses the right reference itself. There is no type to choose.
Before you start
- Have your company account’s IBAN to hand: on a statement, in your e-banking or on a QR-bill you have already received for this account. It starts with CH (or LI in Liechtenstein) and has 21 characters. You can paste it as it is, with or without spaces.
- Your company’s address must have a postcode and a town. If they are missing, the QR-bill settings tell you so at the top, with the link Complete the company’s address.
Turn on the QR-bill
Open Settings, then Invoice, part QR Invoice.
Turn on Enable QR invoice (1).
Paste or type your IBAN in IBAN to receive payments (2).
Read the line that appears below it: it says which account To Bill has recognised and what will appear on your invoices. See What the line under the IBAN says.
Do you also invoice in euros? Look at the IBAN for invoices in euros (optional) field (3): see Your invoices in euros.
Click Save, at the top right.
From now on, every invoice in francs gets its QR-bill, and so does every invoice in euros when an account can receive them. Invoices already sent do not change.
Elsewhere in To Bill, the same field
A newly created company does not have to go through the settings. The Get started card on the dashboard offers Switch on the QR-bill (IBAN), and the sending window of your first invoice asks for the IBAN under Before you send your invoice: see Send an invoice. In the mobile app, it is More › Settings › QR-bill. Everywhere, it is the same field, with the same line below it.
Turn off the QR-bill
If you turn off Enable QR invoice and save, your new invoices no longer have a QR-bill. Your IBANs stay saved: you get them back when you turn it on again.
What the line under the IBAN says
To Bill reads the IBAN as soon as you type it. When it is valid, the green line under the field says which account it has recognised, then what will appear on your invoices.
| The line starts with | Your account | What appears on your invoices |
|---|---|---|
| QR account detected | A QR account: besides the usual IBAN, your bank gave you a special number for QR-bills (the QR-IBAN). | A QR reference of 27 digits. |
| Swiss bank account, or Liechtenstein bank account, with the bank’s name | The usual IBAN of an account in Switzerland or Liechtenstein. | A payment reference starting with RF. |
In both cases, each payment carries its invoice’s reference: when you import your bank statement, To Bill recognises the paid invoice on its own. You have nothing to choose. The bank’s name comes from SIX’s official list of Swiss banks; if it is not in it, the line only says “Swiss bank account”.
Your invoices in euros
The QR-bill exists in francs and in euros. The Swiss rules in force from 14 November 2026 keep the QR account for francs: in euros, a QR-bill needs an account’s usual IBAN. What you need to do depends on the account you entered.
You entered a usual IBAN (the line says “Swiss bank account” or “Liechtenstein bank account”): nothing to do. Your invoices in euros carry a QR-bill to this same account, with a payment reference. Leave IBAN for invoices in euros (optional) empty, unless you have a separate account for euros: then enter its IBAN.
You entered a QR account (the line says “QR account detected”): without a second IBAN, your invoices in euros go out without a QR-bill. The settings tell you so under the field:
Your QR account only receives Swiss francs: without this second IBAN, your invoices in euros go out without a QR-bill. Enter the ordinary IBAN of your euro account, or that of the same account.
In IBAN for invoices in euros (optional), enter the IBAN of your euro account, or the usual IBAN of your QR account: your bank gave you both. The green line confirms the account. Then click Save.
Your invoices in euros then carry a QR-bill to this account, with a payment reference starting with RF. Your invoices in francs stay on the QR account, with their QR reference.
As long as this second IBAN is missing, the editor warns you, under the client, on every invoice in euros: “Your QR account only receives Swiss francs: this invoice in euros will go out without a QR-bill. To avoid it, enter an IBAN for invoices in euros in the QR-bill settings.” The Open the QR-bill settings link takes you there.
When To Bill refuses the IBAN
To Bill checks the IBAN while you type it: a Swiss or Liechtenstein IBAN, of 21 characters, with correct check digits. If something is wrong, the line under the field turns red and says what to do. It only saves valid IBANs, so that every invoice can carry its QR-bill.
| Message | What to do |
|---|---|
| This IBAN is of an account abroad (DE). A Swiss QR-bill needs an account in Switzerland or Liechtenstein (an IBAN starting with CH or LI). | The Swiss QR-bill only accepts an account in Switzerland or Liechtenstein, even for euros. Enter the IBAN of such an account. |
| This IBAN has a typing error: check the digits. | The check digits do not match: one digit is wrong, or two are swapped. Copy the IBAN from your e-banking or a statement. |
| A Swiss IBAN has 21 characters: check that it is complete. | Characters are missing, or there are too many. |
| This is not a Swiss IBAN: it starts with CH or LI, followed by 19 digits or letters. | The beginning or a character is not right. Check that you copied the whole IBAN, and nothing else. |
| Enter the IBAN of the account that receives the payments. | The QR-bill is turned on, but the field is empty. |
| This IBAN is of a QR account: it only receives Swiss francs. For euros, enter an ordinary IBAN. | In the euros field, enter the account’s usual IBAN, not the QR-IBAN. |
| The QR reference prefix may contain digits only. | In Advanced options, correct the QR reference prefix (optional): digits only, 16 at most. |
| The QR reference prefix has at most 16 digits. | Shorten the prefix, in Advanced options. |
Advanced options
Under the euros field, Advanced options is folded. These options are meant for fiduciaries and accountants: To Bill chooses on its own and, usually, there is nothing to change here.
For fiduciaries
- The detected type. Under Detected, To Bill shows the account and the reference type as defined by the Swiss Implementation Guidelines: “QR-IBAN (QR-IID 31999) · QR reference (QRR)”, “IBAN (IID 00762) · Creditor Reference ISO 11649 (SCOR)” or “IBAN (IID 00762) · without reference (NON)”. The IID is made of characters 5 to 9 of the IBAN; a QR-IID ranges from 30000 to 31999.
- With a QR-IBAN, the QR reference (QRR) is mandatory: there is nothing to choose. The QR reference prefix (optional) field takes, only if the bank gave you one with the QR-IBAN, the common start of your QR references (digits, 16 at most); your invoice numbers follow it.
- With a usual IBAN, Reference on the QR-bill offers RF payment reference (SCOR), recommended and Without reference (NON). Without a reference, To Bill reminds you: “With a reference, incoming payments are recognised and matched automatically.” The line under the IBAN then says that your invoices go out without a payment reference, as chosen in the advanced options, and that you match incoming payments yourself.
- A company already “without reference” stays that way when it saves its IBAN again: To Bill never changes this choice without you.
- In euros, only the combinations IBAN with a SCOR reference and IBAN without reference are allowed. The euro account takes the SCOR reference, or none if the company chose Without reference (NON) with a usual IBAN.
- The former choice of “QR-bill type” (SCOR creditor reference, QR IBAN, IBAN only) no longer exists: To Bill deduces it from the IBAN. Companies already set up keep their settings.
The QR-bill on the invoice
The payment part is printed in the format set by the standard, 210 × 105 mm, at the bottom of an A4 page, after the invoice. The receipt is on the left, the payment part with the QR code on the right, separated by cutting lines.
- The account is the one in your settings: your IBAN in francs and, in euros, the IBAN for invoices in euros when you have entered one.
- The amount is what remains to be paid: after a partial payment or a credit note, the QR-bill asks for the balance. On a reminder, it adds the fees and the interest.
- The reference is calculated from the invoice number: a QR reference on a QR account, an RF reference on a usual IBAN. Each instalment gets its own reference.
- The currency is the invoice’s: CHF or EUR.
- The addresses are structured (street, number, postcode, town, country), as the standard has required since 22 November 2025. The client’s country is the one on their record: a client abroad has their country on the last line of the address.
- A client without a postcode or a town: the QR-bill stays valid, but the “Payable by (name/address)” area stays blank and your client writes it by hand. The invoice editor flags it under the client, with what is missing from their record.
- The characters: the QR-bill accepts Latin letters with accents (é, ü, ç, ł, ő, ș, ț…) and the € sign. To Bill replaces the typographic apostrophe, quotation marks and dashes with their plain form, and removes emoji.
When an invoice has no QR-bill
- The invoice is neither in CHF nor in EUR.
- The invoice is in EUR, your account is a QR account and you have not entered an IBAN for invoices in euros: see Your invoices in euros.
- Your company’s address has no postcode or town, or it exceeds the standard’s limits: 70 characters for the name and the street, 16 for the number and the postcode, 35 for the town. Complete it in Settings, Company.
- The QR-bill is not turned on, or the IBAN is missing.
- It is a quote or a credit note.
- The invoice is paid: the PDF shows Paid on and the date instead. Likewise, an instalment already paid keeps its page, with its amount and the paid mention, but without a payment part.
The invoice editor warns you before sending, under the client: the invoice will go out without a QR-bill, for what reason, and the link to the setting to complete.
For the client, the same limits apply, but without removing the QR-bill: a name or an address that is too long, or a missing postcode or town, leaves “Payable by” blank. Shorten or complete the address in their record: see Clients.
What changes on 14 November 2026
SIX publishes version 2.4 of the QR-bill rules, valid from 14 November 2026. To Bill already applies it.
| Date | SIX rule | In To Bill |
|---|---|---|
| 22 November 2025 | Structured addresses only (version 2.3); more characters allowed | Structured addresses; postcode and town required |
| 1 January 2026 | Romansh is added to the QR-bill’s languages | The QR-bill is printed in French, German, Italian or English |
| 14 November 2026 | QR-IBAN and QR reference for invoices in CHF only; in EUR, IBAN with an RF reference or without reference (version 2.4) | An invoice in EUR goes to the IBAN for invoices in euros, with an RF reference; on a QR account without that IBAN, it goes out without a QR-bill, and the editor says so |
| November 2027 | End of euroSIC: payments in EUR go through SEPA credit transfer; version 2.3 is no longer valid | Nothing more to do |
The payment arrives
When you import your bank statement, To Bill reads each payment’s reference and matches it with its invoice. A payment of the exact amount, with the reference of a single open invoice, can be booked without any action from you. See Collections.
Legal basis
- The QR-bill follows SIX’s Swiss Payment Standards, Swiss Implementation Guidelines for the QR-bill, version 2.4 of 24 February 2026, valid from 14 November 2026 (introduced with the SIC release of 13 November 2026). Version 2.3 of 21 November 2025 remains valid until November 2027: SIX, QR-bill.
- The IBAN follows the ISO 13616 standard (chapter 2.9). The creditor’s IBAN has 21 characters, and only IBANs with the country code CH or LI are allowed (chapter 4.2.2). A QR-IID, the institution identification made of characters 5 to 9 of the IBAN, ranges from 30000 to 31999; an IBAN that carries one is a QR-IBAN (chapters 2.8 and 2.10).
- Reference type “Tp” (chapter 4.2.2): QRR mandatory with a QR-IBAN; with an IBAN, SCOR or NON. The QR reference has 27 digits, with a recursive modulo 10 check digit, is never all zeros, and is only used with a QR-IBAN (chapter 2.12.1). The ISO 11649 Creditor Reference (RF, 5 to 25 characters, modulo 97-10) is only used with an IBAN, in CHF and in EUR (chapter 2.12.2); like the QR reference, it lets the creditor match its invoices with incoming payments automatically (chapter 4.3.2). By agreement with their bank, the creditor can reserve the first digits of the QR reference for grouping incoming payments (chapter 4.3.2): this is the prefix of the advanced options.
- Version 2.4: no technical change for invoices in CHF. The QR-IBAN is only used for invoices and payments in CHF (chapter 2.10); in EUR, only the combinations IBAN with a SCOR reference and IBAN with an unstructured message are possible (the document’s general remarks).
- Only the currencies CHF and EUR are allowed, for an amount from 0.01 to 999 999 999.99. Only the structured address has been allowed since version 2.3: the creditor’s postcode, town and country are mandatory, and so are the debtor’s as soon as the debtor is in the code (chapters 4.2.2 and 4.3.1). Without a debtor, the payment part prints “Payable by (name/address)” and an empty box (chapter 3.5.4).
- Character set: Basic Latin, Latin-1 Supplement, Latin Extended-A, as well as Ș ș Ț ț and € (chapter 4.1.1). Fonts allowed: Arial, Frutiger, Helvetica and Liberation Sans (chapter 3.4); To Bill prints the payment part in Liberation Sans. The QR code is generated with error correction level M (chapter 6.1).
- The bank’s name shown under the IBAN comes from SIX’s public directory of banks (Bank Master).