Skyline Digital rolls out new QR Code feature for CHF payments

As the new QR-bill requirements for Swiss invoices come into force, Skyline Digital has implemented the necessary changes to guarantee compliance. This enhancement prepares our clients, especially Web3 businesses, DAOs, and high-net-worth individuals (HNWI), for the new Swiss payment rules effective this November 2025. The feature is already live on our platform.

Switzerland’s payment-standards authority (SIX / Swiss Payment Standards) has updated the QR-bill rules for 2025, moving from the current version 2.2 to the new Implementation Guidelines version 2.3. The country adopted the Swiss QR-bill back in 2020, a standardized payment slip that replaced traditional orange and red payslips. It incorporates a Swiss QR code that digitally carries invoice data, including IBAN, amount, and recipient. This has led to improvements that simplify payments and ensure compliance.

The goal of the standardization is to enable easy digital payments via mobile or online banking, with a single QR code scan, reducing manual data entry and the risk of human error, and simplifying processes for businesses and consumers. 

With version 2.3, there are a few changes designed to improve automation, reconciliation, and cross-system compatibility across Swiss banks and corporate systems. Businesses operating in Switzerland should adapt before 22 November 2025.

What changes with the new Implementation Guidelines

Among the main changes introduced in the 2.3 version, are the following:

Mandatory Structured Address

All invoices must use the structured address format, named address type “S”, in the Swiss QR code. This new format parses the address elements and sends them as individual data elements, instead of combining them in a single field. With this update, there will be separate fields for street, building number, postcode, town, and country of both the invoice issuer and the debtor.

New additional umlauts and special characters

The character types available in the QR code are now expanded, with new umlauts and special characters being supported in the digital invoice information. This improves alignment between the financial system and the federal administration’s requirements for correctly registering individuals.

Removal of the “Ultimate Creditor”

The “Ultimate Creditor” field, which was part of the former QR structure, has now been completely removed from the current version. 

Payment-format modernization

There is closer alignment with ISO 20022, namely from banks and corporate payment flows, ensuring compliance with the new regulation and best financial practices.

Main advantages for Businesses

For corporates, web3 businesses, and startups in general, this is a huge step towards digital transformation. Automated processes reduce human error, eliminate time-consuming manual data entry, and streamline the process from invoice to settlement.

1. Automatic compliance with Swiss banks

Invoices formatted to version 2.3 allow QR codes to be scanned, read, and accepted by Swiss banks, creating online payment orders. This reduces rejects, especially those caused by unstructured addresses, and minimizes manual handling, which would happen in the previous format (especially for unstructured addresses). 

‍2. Faster account reconciliation

Structured data in the QR payload and ISO 20022-friendly metadata reduce errors and manual fixes, making it easier for financial reconciliation. The new QR format also improves traceability of payer and creditor data, which for HNWI and regulated web3 firms reduces friction during KYC/AML reviews and when satisfying auditors or banks. 

‍3. Lower operational risk

For HNWI and institutions moving large CHF amounts, the QR-compliant formats reduce the chance of holds or additional bank inquiries. Organizations benefit from more efficient accounts receivable/payable processes, with ISO 20022-compatible payloads that help accounting systems and banks to match incoming payments to invoices or ledger entries automatically. This is of high importance for entities with many micro-payments, treasury flows, or token-linked settlements.

‍4. Better user experience

Consumers and businesses can continue to make payments easily via e-banking or mobile banking, especially with domestic Swiss banks, which now benefit from more comprehensive address data for automated parsing and faster processing, providing a better user experience.

How Skyline Digital has achieved compliance

To meet the November 2025 rollout of the QR-bill 2.3 version and all banking requirements, Skyline Digital has developed a new feature with the ability to implement the full scope.

The new QR code feature for CHF payments to Swiss banks entails:

QR-bill payload reader

This feature confirms QR codes comply with IG QR-bill v2.3 rules (fields, byte encoding, allowed character set, and layout constraints), including mandatory structured address encoding. This ensures the codes are accepted by Swiss clearing systems and banks.

ISO 20022 alignment

The payment metadata must align with the new regulation to guarantee that the downstream bank messages and reconciliation information are consistent with the evolving Swiss payment standards and SWIFT expectations. That reduces friction when Swiss banks ingest the payment.

Bank integration‍

Our feature enables seamless integration with Swiss bank acceptance flows (IBAN/QR-IBAN, QR-IID, and the expected receipt formats), ensuring that payouts and collections are smoothly transferred into beneficiaries’ Swiss bank accounts.

Operational controls for KYC/AML

The QR flow is connected to Skyline Digital’s compliance checks so that invoices and payment routes are screened against our risk rules before settlement, helping regulated Web3 entities and HNWI meet obligations.

Native support

‍If you’re using Skyline Digital to bridge from crypto (stablecoins) to fiat CHF, the QR-enabled payouts will let you dispatch CHF to Swiss recipients in a bank-friendly way after conversion, reducing friction between on-chain value and off-chain banking operations. 

A clear migration path before the deadline

‍Although the new rules take effect on 22 November 2025, banks and standards bodies have encouraged an orderly migration. Skyline Digital’s newest feature lets you switch to the new format immediately and avoid last-minute disruptions.

How does the new QR-code feature work

Beyond the compliance capabilities outlined above, here's how you can use the feature today:

1. Transaction Flow

For direct payments, the process is straightforward:

1. Add a Swiss CHF beneficiary and create a payment order: Select your CHF settlement account and initiate a new transaction.
2. Upload the QR-bill: Drag and drop or upload the Swiss QR bill you wish to settle; Skyline Digital parses the QR code, automatically extracting the structured data (IBAN, creditor details, amount, reference, address).
3. Submit: Review the auto-populated fields, confirm the details and legal information, and execute the transfer. 

This flow is ideal for one-off or ad-hoc transactions where you need speed and simplicity.

2. Payables Management

For recurring bills or more structured treasury operations, the QR-code feature integrates seamlessly into Skyline Digital’s payables module:

1. Upload a new payable (QR bill): Start by adding the invoice directly to your payables dashboard, either manually or via email.
2. Create counterparty and payment: The platform extracts the creditor’s details from the QR code, automatically setting up the counterparty and linking the relevant bank account and payment reference.
3. Approve and pay: Authorize and release the payment from the dashboard, with all data validated and pre-structured for Swiss bank acceptance.

This approach saves time on multi-invoice cycles, while reducing reconciliation errors.

Conclusion

The rollout of Skyline Digital’s QR code feature for CHF payments marks more than just a box-tick for regulation: it’s a bridge between innovation and tradition in the Swiss financial landscape, and proof that Skyline Digital is committed to making life easier for its clients. 

By aligning early with the November 2025 QR-bill requirements, we ensure that our clients (from Web3 startups to high-net-worth individuals) can transact with Swiss banks seamlessly, confidently, and without disruption.

This feature is about efficiency, security, and future-readiness: structured payments that simplify reconciliation, reduce operational risk, and integrate into a regulated banking environment. For businesses building in Web3 or managing complex global portfolios, it removes friction at the critical intersection between crypto assets and fiat settlement.

At Skyline Digital, the goal is simple: make financial innovation compliant, accessible, and reliable. With the QR-code feature live today, our clients can step into the future of Swiss payments ahead of the curve, fully prepared for November 2025 and beyond.

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Want to stay ahead of the fintech changes? Reach out to our team today.

This article is for educational purposes only and does not constitute investment advice.

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