QR-bill: the structured address changes how you invoice
For a small business that invoices, the QR-bill is not a detail: a faulty code can hold up payment.
Published 16.10.2026
22.11.2025
date the QR-bill guidelines 2.3 came into force, allowing only the structured address
14.11.2026
date version 2.4 becomes valid, with no technical adjustment for invoicing in francs
What changed
According to SIX, the QR-bill implementation guidelines, version 2.3, have been in force since 22 November 2025. Since then only the structured address is permitted in the QR-bill, and an extended character set applies. Version 2.4 becomes valid in November 2026 and, according to SIX, brings no technical adjustment for invoicing in Swiss francs.
What if the code is faulty
SIX states that a Swiss QR code printed faultily may lead to disruptions and that such payment parts can be rejected. The issuer is not obliged to have a QR-bill examined unless the financial institution requests it; SIX provides a validation portal.
What this means for a small business
SIX publishes factsheets for individuals and sole proprietorships and for SMEs using standard software. Check that your invoicing tool produces structured addresses, especially if you invoice from old templates or spreadsheets. The SIX page mentions both November 2025 and November 2026 for the structured address: read the current factsheets before deciding.
Apuva, in pilot phase, generates invoices with the Swiss QR-bill. Official requirements should be checked with SIX and your bank.
Sources
We summarise; we do not reproduce. Sources consulted on 16.10.2026. These texts inform: they are not legal advice, and an average figure does not predict what will happen to a given company.