Free tool

Is this QR-bill valid, and are its addresses structured?

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.

Address type K has not been permitted in a QR-bill since 21.11.2025 (SIX, QR-bill IG 2.3). The banks guarantee payment of such a QR-bill only until the end of September 2026 (UBS: 30.09.2026; ZKB: end of September 2026 at the latest). A type K QR-bill may therefore be refused at payment: reissue it with type S. From 14.11.2026, any payment order with an unstructured address is refused. Also redo the standing orders and templates captured from a type K QR-bill. 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 your own key the API does the same from your code: 25 calls a month without giving an address, 200 a month once you claim it.

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.