Check your Swiss QR-bill: structured address (S) or combined (K)?

1. Scan or choose a file. With “Scan with the camera”, hold the QR code of the payment part inside the frame. With “Choose a photo or a PDF”, pick the invoice you received by email or a photo of the paper bill. You can also drop the file on the dotted area, or paste a screenshot with Ctrl+V. Already have the text of the QR code (it starts with “SPC”)? Open “Already have the text of the QR code?”, paste it, then tap “Check this text”.

2. Read the verdict. “Compliant”: the addresses are type S. “Create it again”: at least one of the two is type K. “Address missing or incomplete”: the creditor's address is missing, or an address has an unknown type or, in type S, no postcode, town or country. Below the verdict, you see the addresses as they are written in the QR code.

3. If the verdict is “Create it again”, the payment part cannot be corrected: you need a new one. The QR-bill generator makes one for free and without an account, with a structured address; to send it on paper, see printing a QR-bill.

The Swiss QR Code contains plain text, one item per line. Line 5 gives the creditor's address type (the person or business that gets paid), line 21 the debtor's (empty if the QR code carries no debtor address, which is allowed).

S, structured: the street (with or without the building number), the postcode and the town go in separate lines. It is the only format allowed in a new QR-bill since 22 November 2025 (guidelines version 2.3). K, combined: the address fits into two free-text lines. This type was defined up to version 2.2 of the SIX guidelines and was removed in version 2.3.

A QR-bill with a type K address is no longer accepted everywhere: UBS writes that such QR-bills “can only be accepted for payment until 30 September 2026”, and BCN gives the same date. From 14 November 2026, under the Swiss Payment Standards 2026 (with version 2.4 of the QR-bill guidelines, valid from the same day), the structured or hybrid address is the rule for all payments under the Swiss standards; SIX also notes that the SIC system does not validate addresses and that banks may still accept an unstructured address as an extra service outside these standards. The dates of 14 banks, with their sources, are on the structured address page.

It checks three things: that the text of the QR code starts with “SPC” (so it is a Swiss QR-bill), the address type of the creditor and of the debtor, and that a type S address has a postcode, a town and a country.

It does not check the IBAN, the reference, the amount, the currency, the message or the layout, nor any other reason why a bank might reject a payment. “Compliant” only means that the address type is not the cause. If the QR-IBAN and the reference do not match, the QR-IBAN guide explains the three allowed combinations.

For a full check, SIX provides a QR-bill validation portal at validation.iso-payments.ch/gp/qrrechnung (you need to create an account; the interface is in German and English).

The QR code is read by a JavaScript library (jsQR) running in your browser. The image, the PDF and the camera feed stay on your device: they are not sent to any server and nothing is stored. A PDF is opened by the PDF viewer built into the page, also in your browser. The camera is only used while scanning and switches off as soon as the invoice's QR code is read, or when you stop it or leave the page.

As on the rest of the site, if you accept it, the page visit is measured by Google Analytics, Google Ads and the Meta pixel (audience and advertising). The result of your test is not part of it: it is passed on to nobody.