What a QR-bill is
Need a QR-bill right now? Our free Swiss QR-bill generator creates it in your browser as a PDF, with no sign-up: nothing is sent to our servers.A QR-bill is an ordinary invoice whose bottom part is a standardised payment part: a receipt on the left, a payment section on the right, and in the middle a Swiss QR code holding every detail of the transfer. Your customer scans it with their bank's app, checks the amount and confirms. No IBAN to copy, no reference to type, no typing mistakes.
The QR code carries the creditor's account (yours), your name and address, the amount and currency, a payment reference and, optionally, a message. Your customer's bank reads that data as is: if one field is not compliant, the bill may be rejected at payment.
QR-IBAN or IBAN: the account decides the reference
First trap: you do not choose the type of reference, it follows from the account you are paid on.
- QR-IBAN (a special IBAN your bank gives you on request): the reference must be a QR reference (QRR) of 27 digits, the last one being a check digit. It lets your bank tell you which invoice was paid.
- Ordinary IBAN: a QRR is forbidden. You then use a creditor reference (SCOR) in the international ISO 11649 format, starting with “RF”, or no reference at all.
Mixing them, for instance a QRR on an ordinary IBAN, produces an invalid QR-bill. A good tool derives the reference from the account and does not let you get it wrong.
Structured address, mandatory since 21 November 2025
Second trap: since 21.11.2025 the creditor's address must be structured. Street, number, postcode and town are separate fields in the QR code; “combined” addresses written as two free lines are no longer accepted.
In practice, “Rue du Lac 12, 1800 Vevey” must become street = Rue du Lac, number = 12, postcode = 1800, town = Vevey. A QR-bill built on an approximate address may be rejected by your customer's bank, which is worse than no QR-bill at all.
What the invoice itself must say
Above the payment part, the invoice is still an invoice: your name and address, the customer's, the date, the subject, the amount and the due date. For VAT there are two cases: if you are not registered, the invoice says so; if you are, it shows the rate (8.1% standard rate in Switzerland) and your VAT number.
Whether and when you must register for VAT is your responsibility. The Your obligations page summarises the thresholds for a holder based in Switzerland; for your exact situation, a fiduciary is the right place to ask.
How MyAiCompany does it
In your company, invoicing lives in the Town Hall. You add a customer (free), then click “Invoice” on their line. You fill in the amount in CHF, the subject, VAT (not registered, with the notice added automatically, or 8.1%), the due date (10, 30 or 60 days) and the payment method.
| What you need | Price |
|---|---|
| Send an invoice | 8 maic (CHF 0.08) |
| The Till: your Swiss QR-bill, with your IBAN | 400 maic, once |
| The Bank: get paid by TWINT or card | 1,000 maic, once — 5% on the payment |
The invoice is an A4 PDF page: the invoice at the top, the standardised payment part at the bottom. The reference (QRR or SCOR) follows from your account, never from a setting, and your address is split into structured fields. If it cannot be split without ambiguity, no approximate QR-bill is attached: the e-mail goes out on its own and the report tells you, so you can fix your Till's address.
Three payment options: a TWINT or card link plus the QR-bill, the QR-bill alone, or the link alone. The invoice is e-mailed to your customer and filed under Town Hall → Invoices with its status. Either way, the money lands on your account: it never goes through the platform. The QR-bill works without the Bank too, if you already have an account and collect payments yourself.
The first-steps guide shows this step in detail. And if you sell online, orders from your shop arrive in the same Town Hall.
