QR invoices switch to structured addresses

Starting from November 21, 2025, address information for QR invoices must be provided in a structured format. Without a structured address, payment cannot be processed.

In view of these changes:

• A new version of Banana Accounting+ Dev Channel has been released with targeted updates to handle structured addresses.
  The official version of Banana Accounting Plus will also be updated later.
• The invoice printing extensions with QR slip have been released in Beta version.
  The stable versions will also be updated later.
• The changes required from users are minimal: simply update to Banana Accounting+ Dev Channel (version 10.2.0) and install the relevant extensions for printing invoices with QR slips.

Changes and updates in Banana Accounting Plus

The Banana Accounting+ Dev Channel (version 10.2.0) includes the following changes:

• New Building Number field in the Address section of the File Properties (Basic data).
• New Building Number column in the Accounts table (Address view).
• New Building Number column in the Contacts table.

Using the Building Number field is optional. It is still possible to enter street and number on the same line of the address, leaving the new building number field empty.

Those who use the Extra column (XML name: AddressExtra) to enter the building number must move the building number to the new column. The Extra column can no longer be used to enter the building number.

It is recommended to carefully check the first prints to verify the correct display of the address, both in the header and in the QR code.

Changes and updates in the extensions

To support structured addresses, new Beta versions of the following extensions have been released:

• Invoice Layout Extension [CH10]
• Swiss Letter with QR Extension
• Batch QR-Invoice Extension
• Quotes and Invoices Dialog Extension

To install the Beta version of an extension:

• Menu Extensions > Manage Extensions.
• Select Installed from the menu on the left.
• Search for the extension (from those listed above) and select it.
• Choose Beta Release as the preferred channel (instead of Stable Release)
  You can switch between Beta and Stable channels at any time.
• Click the Close button.

The changes only affect the printing and composition of the structured address. The structured address lines in the QR code are composed as follows:

• Line 1: company name or customer’s first and last name
  • mandatory, maximum 70 characters
• Line 2: street / P.O. box
  • optional, maximum 70 characters
  • may include the building number if not written on line 3
• Line 3: building number
  • optional, maximum 16 characters
  • if not written on line 2
• Line 4: postal code
  • optional, maximum 16 characters
• Line 5: city
  • mandatory, maximum 35 characters
• Line 6: country code
  • mandatory, maximum two characters
  • compliant with ISO 3166-1 standard

How to enter addresses in the Accounts and Contacts tables

The building number can be entered in either the Street column or the Building Number column. Both options are correct.

The Street column accepts any character up to a maximum of 70 characters:

The Building Number column accepts any character up to a maximum of 16 characters:

Update of customized CH10 invoice layout extensions

If you are using a customized extension, such as the CH10 invoice layout extension that you have modified for printing invoices, you need to check whether the address printing in the QR is of structured type (S).

Since it is a customized extension, Banana cannot access its code or modify it automatically; therefore, it cannot guarantee proper functionality for printing structured addresses.

To check whether the address printing in the QR is of structured type (S):

• Open the Print invoices window.
• Select your customized layout and click on Settings.
• Check the option Show invoice JSON (found at the bottom) and confirm with OK.
• Click OK to print the invoice.
• Before printing the invoice, a window appears displaying the JSON data of the invoice. Scroll down to the QR Code text section and check that two "S" appear before both addresses.
• If two "S" appear, it means the addresses are already structured, and no changes are needed.
• If one or two "K" appear, it means one or both addresses are of combined type and need to be changed. In this case, you need to change your customized layout settings as follows:
  • In the section QR Code > Payable to: check the field and enter the address information in the following fields (Name, Address, Street Number, Postal Code, City, Country Code).
  • In the section QR Code > Customer address type: select the type "S" (Structured).
  • In the Accounts/Contacts table, enter the street number in the Street column (street and number in the same column) or separately in the Extra Address column.
  • Important: the Extra column must only be used for the street number, not for other information.

If you want to use the new Street Number column and/or the Extra column to enter other information, you need to update the customized extension: download the new CH10 extension code available online and adapt it to your needs.

Swiss QR invoice address format

Structured Address:

<Cdtr>
    <AdrTp>S</AdrTp>
    <Name>Banana.ch SA</Name>
    <StrtNmOrAdrLine1>Via la Santa</StrtNmOrAdrLine1>
    <BldgNbOrAdrLine2>7</BldgNbOrAdrLine2>
    <PstCd>6962</PstCd>
    <TwnNm>Viganello</TwnNm>
    <Ctry>CH</Ctry>
</Cdtr>

Structured Address with “tolerance”:

<Cdtr>
    <AdrTp>S</AdrTp>
    <Name>Banana.ch SA</Name>
    <StrtNmOrAdrLine1>Via la Santa 7</StrtNmOrAdrLine1>
    <PstCd>6962</PstCd>
    <TwnNm>Viganello</TwnNm>
    <Ctry>CH</Ctry>
</Cdtr>

Notes:

• Structured address
  • No combination with the "AdrLine" element is allowed.
• Structured address with “tolerance”
  • The building number may also appear in the "StrtNm" element instead of the "BldgNb" element.

CAMT bank statements

The extension Bank Statement Camt ISO 20022 Switzerland (Banana+)  already uses the new CAMT ISO 20022 V2019 format, which already includes these changes.

Payment orders pain.001

Starting from November 21, 2026, only structured addresses will be supported.

• The extension Payment Orders Extension [BETA] already supports the new ISO 20022 version 2019 format (pain.001.001.09.ch.03), which however does not yet include structured address data.
• To meet the new requirements, the new SPS 2025 version will be integrated in the coming months, available from November 2025, which will allow transmission of payment orders with structured addresses.

Payment address format

Structured Address:

<Cdtr>
   <Nm>Banana.ch SA</Nm>
   <PstlAdr>
       <StrtNm>Via la Santa</StrtNm>
       <BldgNb>7</BldgNb>
       <PstCd>6962</PstCd>
       <TwnNm>Viganello</TwnNm>
       <Ctry>CH</Ctry>
   </PstlAdr>
</Cdtr>
 

<Dbtr>
   <Nm>Banana.ch SA</Nm>
   <PstlAdr>
       <StrtNm>Via la Santa</StrtNm>
       <BldgNb>7</BldgNb>
       <BldgNm></BldgNm>
       <PstlCd>6962</PstlCd>
       <TwnNm>Viganello</TwnNm>
       <Ctry>CH</Ctry>
   </PstlAdr>
</Dbtr>

Hybrid Address:

<Cdtr>
   <Nm>Banana.ch SA</Nm>
   <PstlAdr>
       <AdrLine>Via la Santa 7</AdrLine>
       <PstCd>6962</PstCd>
       <TwnNm>Viganello</TwnNm>
       <Ctry>CH</Ctry>
   </PstlAdr>
</Cdtr>

<Dbtr>
   <Nm>Banana.ch SA</Nm>
   <PstlAdr>
       <AdrLine>Via la Santa 7</StrtNm>
       <PstlCd>6962</PstlCd>
       <TwnNm>Viganello</TwnNm>
       <Ctry>CH</Ctry>
   </PstlAdr>
</Dbtr>

Resources

• SIX - Swiss Implementation Guidelines for the QR-bill.
• SIX - Swiss Payments addresses schemes.
• EPC - European Payments Council addresses schemes.