Swiss QR-Bill Reader & Checker

Reading the code. The tool renders PDF pages and scans them for a QR code (a bottom-of-page payment part is the usual place), or reads an image or screenshot, trying several scales and overlapping tiles because decoders are sensitive to module size. If you already have the decoded text from a scanner you can paste it instead. Text that does not begin with SPC is not shown at all and is reported as not being a Swiss QR-bill.

What is checked. Following Table 8 and chapters 4 and 7 of the guideline: header (SPC, version 0200, coding 1); the creditor IBAN (checksum, 21 characters, country CH or LI); the creditor address, which has to be structured (type S) with name up to 70, street up to 70, building number up to 16, postal code up to 16, town up to 35 and a two-letter country; the optional debtor in the same form; the amount (two decimals, no leading zeros, 0.01 to 999,999,999.99, or empty if the payer chooses; 0.00 only for the "do not use for payment" notice); the currency (CHF or EUR); the reference type with its permitted combinations; the 140-character limit for message plus billing information; the trailer EPD; up to two alternative-procedure lines; the 997-character maximum; and the permitted character set.

QR-IBAN and references. A QR-IBAN is a Swiss or Liechtenstein IBAN whose institution identifier (digits 5 to 9) is between 30000 and 31999; it must go with a 27-digit QR reference (type QRR, modulo-10 recursive check digit). A normal IBAN goes with a creditor reference (SCOR, ISO 11649 with mod 97-10 check digits) or with no reference (NON). The tool flags every other combination.

Versions. The checks follow the Swiss Implementation Guidelines for the QR-bill, version 2.4 (24 February 2026), which applies from 14 November 2026 and replaces 2.3 of 21 November 2025; version 2.3 stays valid until November 2027. The header value stays 0200 in both. Version 2.4 brings no technical change for invoices in Swiss francs; for euro invoices only the combination of an IBAN with an SCOR reference or an unstructured message remains, and a QR-IBAN with a QR reference is for CHF only. QR-bills in euro are to be processed as SEPA credit transfers after November 2027 at the latest. The result block restates what applies to the currency of the code you read.

PDF files up to 50 MB and PNG, JPEG or WebP images up to 30 MB and 40 megapixels. Swiss QR Code version 0200 (Implementation Guidelines 2.x) in the data structure of version 2.4; combined addresses (type K) are reported as no longer allowed. Other QR payment formats (EPC / GiroCode, EMV and others) are not read as Swiss QR-bills.

1. Drag in the QR-bill PDF, or a photo or screenshot of the payment part. Or paste the decoded text.
2. Read the technical result, then the table of fields.
3. Look through the findings: errors name the rule that failed.
4. Read the version notes, and fix the bill in the program that created it if there are errors.

• Finding out why a bank or app rejects a QR-bill
• Checking a QR-bill produced by your invoicing software before it goes out
• Reading the account, reference and amount from an invoice you only have as an image
• Seeing whether a QR-IBAN is combined with the right reference type
• Preparing for the version 2.4 changes in euro invoicing

Only the data in the QR code is checked. The printed payment part and receipt (layout, fonts, the Swiss cross, the 46 × 46 mm size) are not examined, and neither is whether the account exists or who the creditor really is. A photo with glare, blur or a small code may not decode; try a sharper image or paste the text.

The tool does not say that a QR-bill is mandatory for any invoice and does not give legal advice. Banks apply their own processing, and the guideline is versioned: a bill valid under one version may need changes under the next.