Check Swiss QR-bill Payload
check_swiss_qr_billValidate a Swiss QR-bill payload rule by rule, citing SIX sources, to confirm it is well-formed, matches reference type to IBAN, and flags combined addresses before the 2026 cutoff.
Instructions
Check a Swiss QR-bill payload, the text a QR-bill's code carries (starts with SPC), rule by rule, each finding citing the SIX document it comes from. USE WHEN: an agent, an ERP or an accounting tool holds a scanned or generated QR-bill and must know before paying or issuing it whether it is well-formed, whether the reference type matches the IBAN (QRR needs a QR-IBAN, IID 30000-31999), and above all whether the creditor and debtor addresses are STRUCTURED (type S) or still COMBINED (type K): the standard removed type K on 21.11.2025 and banks stop processing payments built on it from 14.11.2026. DO NOT USE to learn which bank holds the account or its payment-rail participation: that is the paid validate_iban. RETURNS: { valid, ready_for_2026_11_14, creditor_iban { value, valid, country, qr_iban, iid }, creditor { present, address, structured, sps_check, proposed_structured }, ultimate_debtor, amount, currency, reference { type, value, valid, note }, findings [{ code, severity, field, detail, source }], next_steps, source }. A combined address comes back with proposed_structured, the S-type fields derived from the combined lines, to relay as a fix. IMPORTANT: relay each finding's source string. COST: free (routed to POST /v1/ch/qr-bill/check).
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| payload | Yes | The Swiss QR Code text with real line breaks: SPC, 0200, 1, IBAN, creditor (7 lines), ultimate creditor (7 empty lines), amount, currency, ultimate debtor (7 lines), reference type, reference, message, EPD, optional billing information and alternative schemes. |
Output Schema
| Name | Required | Description | Default |
|---|---|---|---|
| valid | Yes | True when no finding has severity error. | |
| amount | No | ||
| coding | No | ||
| source | Yes | ||
| qr_type | No | ||
| trailer | No | ||
| version | No | ||
| creditor | No | ||
| currency | No | ||
| findings | Yes | ||
| reference | No | ||
| next_steps | Yes | ||
| creditor_iban | No | ||
| ultimate_debtor | No | ||
| alternative_schemes | No | ||
| billing_information | No | ||
| ready_for_2026_11_14 | Yes | valid AND every present address is structured (type S). | |
| unstructured_message | No | ||
| ultimate_creditor_empty | No |