QR-Invoice using a regular IBAN account

With the QR-Invoice you can use your normal IBAN account where you will receive invoice payments, which you will see on your bank statement along with all other movements.
You can use it for payments either in CHF or EUR, in Switzerland or towards Europe.

The QR policy with IBAN and Reference looks like this: 

Importing payment data

Invoice payment data is contained along with all other movements in your IBAN account.

• The digital format bank statement is camt.053.  
•  The Bank statement extension Camt ISO 20022 (Switzerland) decodes the Creditor Reference and completes the entry with the customer account and invoice number.
• You can see paid and outstanding or partially paid invoices from the open invoice statement.

Entering the IBAN account number

You must indicate the IBAN account the first time you print invoices.

• The IBAN for an account in CHF:
  • It is automatically resumed from the basic data File > File and accounting properties > Address tab  IBAN account field.
  • If it is not defined in the basic data, the IBAN is retrieved from the QR invoice settings, Code QR > SCOR/NON > IBAN section.
  • If the IBAN code is entered both in the file properties and in the invoice settings, the one entered in the invoice settings will be used.
• The IBAN for an account in EUR:
  • It is retrieved from the QR invoice settings, QR Code > SCOR/NON > IBAN EUR.

Type and IBAN setup:

• Access the QR invoice settings dialog, QR Code section
• Ensure that SCOR is selected as the QR reference type.
• Under SCOR / NON enter the IBAN of the account where you wish to receive payments.
  You can use the default IBAN field or alternatively the IBAN EUR field.

IBAN is the account number where the payments will converge.

• It has the following format
  • CHXX 3000 0XXX XXXX XXXX X
    For a Swiss bank account it starts with "CH"
  • LIXX 3000 0XXX XXXX XXXX X
    For a Liechtenstein bank account it starts with "LI"
• It's length is of 21 characters.

• The IBAN is mandatory and is provided by the bank.

   

Referencing (Creditor Reference)

Contains the customer's account number and invoice number and is used to automate the registering of invoice payments.

• Structured Creditor Reference (SCOR) follows the ISO 11649 standard, which allows the QR invoice to be used in International and European payment transactions (SEPA).
• The Creditor Reference is automatically generated when using the customer number and the invoice number.
• The format is RFXX XXXX XXXX XXXX:
• The Creditor Reference is an alphanumeric string, of up to 25 characters long and begins with the letters "RF".

The program automatically prepares the reference in this way:

• Initial letters "RF" (1).
• After the letters, there are two control digits (calculated according to the specifications of the standard) (1).
• Follows the customer's account number of the Chart of Accounts, which receives the invoice (2).
  • The first numeric character indicates the length of the account (minimum 1, maximum 7).
  • The rest is the account ID of the Chart of Accounts.
    It can only consist of numbers or letters of the ASCII alphabet (A-Z). It must not contain spaces, separators or other characters. These will be removed.
  • If the customer number is not present, a "0" is indicated.
• The invoice number follows (3).
  • The first numeric character indicates the length of the invoice number (minimum 1, maximum 7).
  • It can only consist of numbers or letters of the ASCII alphabet (A-Z) for a maximum length of 7 characters. It must not contain spaces, separators or other characters. If there are separators in the invoice number or else they are removed. It is therefore possible that when importing payment data, the program may not be able to match.
  • If the invoice number is not present, a "0" is indicated.

QR-Invoice with IBAN and Creditor Reference number

The QR section will contain all the data necessary for payment:

• The IBAN account that will receive the payment and the name and address of the account holder.
• The reference number, with the customer's account and invoice number.
• The customer's address.
• It can be used for amounts in CHF or EUR.

				IBAN It must be entered in the File > File and accounting properties > Address section, or in the appropriate field of the invoice settings dialog.
				Reference It is generated automatically using the customer number and the invoice number.

QR-Invoice with IBAN, Reference and without amount

The invoice without amount is used when you want to let the customer choose the amount to be paid.
It contains the number of customer references, therefore it is possible to assign the amounts to the specific customer and hence automatically close any invoices still open.
In the printout, a box is left empty for the amount to be filled. It is used for:

• For donations where the payer freely decides the amount.
• For associations where the payer can choose different amounts.
• For several payments, always specific to the same customer.
  For example rent payment.
• Amounts in CHF and EUR can be indicated.

				IBAN It must be entered in the File > File and accounting properties > Address section, or in the appropriate field of the invoice settings dialog.
				Reference Is generated automatically using the customer number and the invoice.
				Without amount In the QR Code section of the invoice settings dialogue, the option Exclude invoice amount must be selected.

Printing without amount is not to be confused with the invoice with zero amount. If the amount is zero, it means that the customer does not have to pay anything, this way a notice is inserted on the bill indicating that the it must not be used.

QR invoice with IBAN and without Reference

QR invoice with IBAN and without reference
This method is used if you want to print bills without an invoice number and without a customer number.
Therefore it cannot be used to register payments automatically.

For the payment area in CHF (CH / FL), without reference. This replaces the current red payment slip PV.

				IBAN It must be entered in the File > File and accounting properties > Address section, or in the appropriate field of the invoice settings dialog.

• Reason for payment: in the QR invoice it is not possible to manually enter the payment reason, this must always be printed with the QR code.

Insert your data:

• Access dialog setup.
• Go to the QR Code section and fill in the following.
  • From the QR reference type list select NON.
  • Under SCOR / NON enter the IBAN.