How is the 27-digit reference number in the Swiss QR Code structured?

How is the 27-digit reference number in the Swiss QR Code structured?

Background

The QR payment slip commonly used in Switzerland contains a 27-digit reference number, which can be freely assigned by timeSensor LEGAL. The reference number is required for the assignment of the payment in timeSensor LEGAL. This article describes how this reference number is structured.

Structure

The 27-digit reference number is structured as follows:
  1. Bank Customer ID (Pos. 1-6)
  2. Installment byte (Pos. 7)
  3. Invoice number (Pos. 8-16)
  4. Address number (Pos. 17-26)
  5. Check Digit (Pos. 27)



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