Swiss QR-bill — QR-IBAN carrying a SCOR reference (the pairing rule, broken)
The single most consequential error in the Swiss format: a QR-IBAN carrying an ISO 11649 (SCOR) reference. The reference itself is perfectly valid — that is the trap — but a QR-IBAN demands a QRR reference and nothing else. The bank cannot book the payment, and the same verdict holds under Implementation Guidelines 2.3 and 2.4.
Swiss IG 2.3 / 2.4 — Invalid
The single most consequential error in the Swiss format: a QR-IBAN carrying an ISO 11649 (SCOR) reference. The reference itself is perfectly valid — that is the trap — but a QR-IBAN demands a QRR reference and nothing else. The bank cannot book the payment, and the same verdict holds under Implementation Guidelines 2.3 and 2.4.
What this file shows
The single most consequential error in the Swiss format: a QR-IBAN carrying an ISO 11649 (SCOR) reference. The reference itself is perfectly valid — that is the trap — but a QR-IBAN demands a QRR reference and nothing else. The bank cannot book the payment, and the same verdict holds under Implementation Guidelines 2.3 and 2.4.
| Total | CHF 199.95 |
|---|---|
| Scheme | SCOR |
The defects it carries
- QR-IBAN/QRRis a QR-IBAN — its institution ID (31999) falls in the 30000-31999 range — so the reference type must be QRR, not "SCOR". A QR-IBAN without a QR reference cannot be booked.
Quoted verbatim from the validator, not paraphrased.
Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.
File content
SPC
0200
1
CH4431999123000889012
S
Robert Schneider AG
Rue du Lac
1268
2501
Biel
CH
199.95
CHF
S
Pia-Maria Rutschmann-Schnyder
Grosse Marktgasse
28
9400
Rorschach
CH
SCOR
RF6518539007547034
Rechnung Nr. 3139 471 430
EPDHow we know these results hold
Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.
Payment QR code (EPC / Swiss QR-bill)
- EPC QR code — version 002 with a structured creditor reference (RF)
- EPC QR code — version 001 (BIC mandatory) with a free-text message
- EPC QR code — 312 characters but 338 bytes: over the 331-byte cap
- Swiss QR-bill — QR-IBAN with a QRR reference (the pairing rule, satisfied)
- Swiss QR-bill — normal IBAN with an ISO 11649 (SCOR) reference