Free tool

Is this QR-bill ready for 14 November 2026?

Paste the text inside a Swiss QR-bill code (it starts with SPC). You get every rule verdict at once: header, creditor IBAN and QR-IBAN range, QRR, SCOR or NON reference and its checksum, amount, currency, and whether the addresses are structured (type S) or still combined (type K). A combined address comes back with the structured fields to use instead.

Type K addresses were removed from the standard on 21 November 2025; from 14 November 2026 banks no longer process standing orders and payment templates built on them. Read the documentation

QR-bill text (Swiss Payments Code)One value per line, exactly as the QR code carries it: SPC, 0200, 1, IBAN, creditor, ultimate creditor (empty), amount, currency, ultimate debtor, reference type, reference, message, EPD. Nothing is stored.

This tool is free and needs no key. With a free key the API does the same from your code: 200 calls a month, no card.

The same check from code

POST the payload to the free endpoint; no key, no quota. The bank behind the IBAN and its payment-rail participation are the paid /v1/iban/validate.

curl -s -X POST https://api.ibanforge.com/v1/ch/qr-bill/check \
  -H "Content-Type: application/json" \
  -d '{"payload":"SPC\n0200\n1\nCH4431999123000889012\nS\n..."}'

For AI agents, the MCP tool is check_swiss_qr_bill.