Searching for how to create a Swiss "payment slip"? First, the key news: the classic payment slip no longer exists. Since 30 September 2022, Swiss banks no longer process the orange (ISR) and red payment slips. They have been replaced by the QR-bill - an invoice with a Swiss QR code that your customers scan with their banking app and pay instantly.
The good news: a QR-bill is faster to create than the old slip, and you can make one for free. Here's how.
Quick answer: With the free QR-bill generator you create a compliant QR-bill in under two minutes - no signup, with the correct check digit and Swiss cross.
Create a QR-bill: 3 steps
1. Enter creditor and payment details
You need:
- Your IBAN (or a QR-IBAN from your bank)
- Company name and address - exactly as your bank knows them
- Amount and currency (CHF or EUR)
- Customer name and address (optional but recommended)
2. Choose a reference
The reference number lets you match incoming payments to the right invoice automatically later. Which reference you can use depends on your IBAN (see the table below). If you are unsure: no reference, or a Creditor Reference (SCOR) on your regular IBAN, is always a safe choice.
3. Generate the QR code and download the invoice
The generator computes the Swiss QR code with the check digit and places the mandatory Swiss cross in the middle. You download the invoice as a PDF, done. Create one free now.
QR-IBAN or regular IBAN? Which reference?
This is where most people get stuck. In short:
| Reference type | Format | Used with | Best for |
|---|---|---|---|
| QR reference (QRR) | 27 digits (like the old ISR) | QR-IBAN only | Swiss domestic payments with automatic matching |
| Creditor Reference (SCOR) | ISO 11649, up to 25 chars | regular IBAN | international compatibility |
| No reference | - | regular IBAN | simple one-off payments |
The key rule: a QR-IBAN must be combined with the QR reference (QRR), and a regular IBAN with SCOR or no reference. Wrong combinations make the bank reject the payment.
If you want to go deeper (layout rules, ISO 20022, technical details), it's all in the full Swiss QR-bill guide.
Create a QR-bill for free - without signing up
For a single invoice you need no account and no subscription:
- The free QR-bill generator creates a compliant QR-bill as a PDF.
- The Swiss QR-bill page explains what the QR-bill can do and what to watch out for.
That's enough if you only invoice occasionally.
Common mistakes - and how to avoid them
- The address does not exactly match the bank records. Even a typo can cause a rejection.
- IBAN and reference combined incorrectly. A QR-IBAN needs QRR; a regular IBAN needs SCOR or no reference.
- Wrong currency. The QR payment part applies to CHF and EUR only. For USD or GBP, use standard transfer details.
- Missing Swiss cross. It is mandatory in the QR code - a good generator adds it automatically.
From payment slip to automatic reconciliation
The real benefit of the QR-bill comes afterwards: because the reference is structured, you can match incoming payments to the right invoice automatically. You import your bank statement in CAMT.053 format and open invoices are marked as paid automatically. No more manual ticking off.
This is exactly where LumaBill comes in: generate, number, and send QR-bills and reconcile payments via CAMT.053 - all in one place. Our pricing is laid out transparently.
Conclusion
- The payment slip has been history since 2022 - today you create a QR-bill.
- For a single invoice the free generator is enough, with no signup.
- Use the right combination of IBAN and reference so the payment is processed cleanly.
- If you invoice regularly and want automatic reconciliation, try LumaBill free for 14 days - cancel anytime.