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PostFinance QR Invoice

Overview​

The QR Invoice Processor lets you issue Swiss QR-bill invoices and automatically reconcile the corresponding payments in your space. This page explains how to activate the processor, request a production QR-IBAN and switch to live mode.

Prerequisites​

  • A PostFinance Checkout account with administrator access
  • A Swiss commercial bank account
  • Authority to sign the ESR registration form — PostFinance generates the QR-IBAN
info

You can complete all steps up to Go live without a QR-IBAN; transactions stay in test mode until you enter it.

1. Enable the processor (test mode)​

  1. Sign in to PostFinance Checkout and choose the space you want to use.
  2. Open Settings > Features.
  3. Search for qr and select QR Invoice Processor with PostFinance.
  4. Click Add, then Continue.
  5. Enter an internal name (e.g. QR Invoice) and click Save.

A test processor appears with status Test.

2. Configure behaviour (optional)​

OptionPurpose
Send reminder emailsSends an automatic payment reminder before the due date.
Send invoice emailsSends the PDF invoice with an embedded QR code to the customer.

Enable the options that match your workflow and click Save.

Instant Invoice Payment (connector setting)​

In the connector of your QR invoice payment method (Space settings > Payment > Connectors), you can enable Instant Invoice Payment. When it is enabled, the invoice PDF also contains a QR code and a payment link, so the customer can pay the invoice online right away.

3. Request a production QR-IBAN​

  1. Open the processor and click ESR registration form.
  2. Download, complete and sign the PDF.
  3. Send the form to PostFinance — the address and instructions are on the last page.
  4. PostFinance issues your QR-IBAN in roughly 5 business days.
warning

The QR-IBAN is different from your regular IBAN and always starts with CHxx 30000. Using your regular IBAN instead will prevent payments from being reconciled.

4. Go live​

  1. After receiving the QR-IBAN, return to Settings > Features > QR Invoice Processor.
  2. Click Switch to live.
  3. Paste the QR-IBAN into the IBAN (live) field and click Save.

The processor status changes to Live and your account can now create real QR-bill invoices.

5. Create a QR-bill (API example)​

curl https://api.PostFinance Checkout.ch/transaction/create \
  -u YOUR_USER_ID:YOUR_APP_SECRET \
  -H "Content-Type: application/json" \
  -d '{
    "spaceId": 101112,
    "currency": "CHF",
    "amount": "120.00",
    "paymentMethod": "QR_INVOICE",
    "reference": "INV-2025-042"
  }'
warning

The host in this example points at the PostFinance Checkout API. Replace it with the API endpoint of your own platform — see Web Service API for the correct base URL and authentication.