The QR-Referenz is a 27-digit numeric reference number used on Swiss QR-bills when the creditor holds a QR-IBAN. It is the direct successor to the ESR reference number and uses the same Modulo 10 recursive check digit algorithm.
The QR-Referenz enables fully automated payment reconciliation: the reference number is printed in the QR Code and appears in the booking notification (camt.054), allowing billers to match incoming payments to open invoices without manual intervention.
Key facts
- Length: 27 digits (26 digits + 1 check digit)
- Check digit: Modulo 10 recursive (same as ESR)
- Requires: QR-IBAN (positions 5–9 in range 30000–31999)
- Carried in the QR Code field
Referencewith typeQRR - Alternative: Creditor Reference (ISO 11649) used with a regular IBAN