[{"data":1,"prerenderedAt":92},["ShallowReactive",2],{"glossary-qr-referenz":3},{"id":4,"title":5,"body":6,"description":81,"extension":82,"lastUpdatedAt":83,"letter":84,"meta":85,"navigation":86,"path":87,"seo":88,"stem":89,"summary":90,"term":16,"__hash__":91},"glossary\u002Fglossary\u002Fqr-referenz.md","Qr Referenz",{"type":7,"value":8,"toc":75},"minimark",[9,26,29,34],[10,11,12,13,17,18,21,22,25],"p",{},"The ",[14,15,16],"strong",{},"QR-Referenz"," is a 27-digit numeric reference number used on Swiss QR-bills when the creditor holds a ",[14,19,20],{},"QR-IBAN",". It is the direct successor to the ESR reference number and uses the same ",[14,23,24],{},"Modulo 10 recursive"," check digit algorithm.",[10,27,28],{},"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.",[30,31,33],"h3",{"id":32},"key-facts","Key facts",[35,36,37,45,51,57,68],"ul",{},[38,39,40,41,44],"li",{},"Length: ",[14,42,43],{},"27 digits"," (26 digits + 1 check digit)",[38,46,47,48,50],{},"Check digit: ",[14,49,24],{}," (same as ESR)",[38,52,53,54,56],{},"Requires: ",[14,55,20],{}," (positions 5–9 in range 30000–31999)",[38,58,59,60,64,65],{},"Carried in the QR Code field ",[61,62,63],"code",{},"Reference"," with type ",[61,66,67],{},"QRR",[38,69,70,71,74],{},"Alternative: ",[14,72,73],{},"Creditor Reference"," (ISO 11649) used with a regular IBAN",{"title":76,"searchDepth":77,"depth":77,"links":78},"",2,[79],{"id":32,"depth":80,"text":33},3,"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.","md","2026-04-21","Q",{},true,"\u002Fglossary\u002Fqr-referenz",{"description":81},"glossary\u002Fqr-referenz","The 27-digit numeric payment reference used with a QR-IBAN on Swiss QR-bills, successor to the ESR reference.","4hXP10H9c693NyAQs-Uy0DLhOir4RsJHfd2hjdhDaNg",1776765748942]