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Your invoices clear the bank

An invoice the bank rejects comes back to you, and the payment waits. It is the kind of detail you discover at the worst moment.

  • Structured format
  • 30.09.2026 deadline
  • Nothing to configure

Today

  • You type the address as free text, like on an envelope.
  • The bank still accepts it, until September 2026.
  • After that the invoice bounces and the payment waits.

With Bilto

  • The address is split into fields as you enter the client.
  • The QR-bill goes out in the format banks require.
  • Your client scans, pays, and nothing bounces.

How it works

  1. You enter a client once: street, number, postcode, town, country, each in its own field.

  2. Bilto builds the QR-bill to the Swiss standard in force, with the payment part and the detachable receipt.

  3. Your client scans the code with their banking app. Amount, reference and your IBAN are already filled in.

What actually changes on 30 September 2026

The QR standard has required structured addresses for a while, but banks still tolerated free-text ones. That tolerance ends. This is not a new rule: it is the end of a grace period, and there will not be another.

Are you ready for 2026?

Tick what your current software already produces.

Fields are missing: the bank will reject it.

All there. Your invoices will clear.

Structured address, in plain terms

"Structured" means street, number, postcode and town sit in separate fields rather than on one line. You cannot see the difference in print; you can see it in the file the bank reads.

The payment reference generates itself

Every invoice carries its reference, and that is what allows automatic reconciliation when the payment lands. You neither invent it nor check whether it has been used before.

The receipt still prints

Some of your clients still pay at a counter or by written order. The invoice prints with its detachable payment section, at the standard's dimensions, without you having to think about it.

30.09.2026

end of the tolerance for free-text addresses

Are my old invoices affected?

No, only those issued after the deadline. But clients saved with a free-text address need updating before then | Bilto flags the ones missing fields.

What happens if an address is incomplete?

Bilto refuses to issue the invoice and names the missing field. That is deliberate: better to be stopped at issue than to see the invoice come back three weeks later.

Do I need a particular bank account?

No, an ordinary Swiss IBAN is enough. If you have a QR-IBAN, Bilto uses it and generates the matching structured reference.

Discover the other features

Each one answers a precise moment of the job, from the first phone call to the money in the bank.