QR invoices switch to structured addresses

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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:

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:

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:

 

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:

Switzerland SIX

Europe EPC

<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:

Switzerland SIX

Europe EPC

<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>

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