QR reference
27 digits, QR-IBAN and CHF.
Reference types
QR reference or SCOR reference?
Compare the two structured references used by Swiss QR invoices.
Create QR invoiceQR reference or SCOR reference?
Structured references automate payment matching.
QR reference belongs with QR-IBAN; SCOR with IBAN. QR reference is not used for EUR.
Key points
SCOR
ISO 11649, 5–25 characters and IBAN.
No reference
An unstructured message is possible.
How to proceed
- 1
Check IBAN and currency.
- 2
Generate the matching reference.
- 3
Compare print and QR data.
Frequently asked questions
Which reference for EUR?
IBAN with SCOR or a message.
Can SCOR contain letters?
Yes, it commonly starts with RF.
Is a reference mandatory?
No.
Specialist source: SIX – Swiss Payment Standards. This is general information, not tax or legal advice.
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