On November 14, 2026, Swiss banks will stop processing payment orders containing Type K addresses (combined format — free text on two lines). Only Type S — structured addresses with separate fields — will be accepted for payment submissions from the SIC release of November 13, 2026, which deploys Swiss QR Bill Implementation Guidelines version 2.4 (IG QR-bill v2.4, SIX Group). There are 31 days left.
Background: Two Phases in the QR Bill Address Migration
The migration to structured addresses has unfolded in two stages. Since November 22, 2025 (IG v2.3), new QR bills can no longer contain Type K addresses at issuance. Most Swiss ERP vendors — Abacus, Bexio, Proffix, SelectLine — rolled out the corresponding updates last autumn (SelectLine blog, Nov. 2025).
IG v2.4 on November 14, 2026 takes the next step: this time, payment orders are in scope. A payment order submitted with a Type K address (creditor or debtor) will be rejected by the SIC interbank clearing system. This is no longer an invoicing issue — it is a cash flow issue: blocked payments, slipping deadlines, supplier chasers.
Type S requires separate fields compliant with ISO 20022: name, street, building number, postal code, city, country (two-letter ISO code — CH, DE, FR, AT). Type K, by contrast, groups everything into two free-text lines with no separation of elements (SIX Group SME factsheet).
Impact for Businesses: Three ERP Checkpoints
1. Supplier and Creditor Master Data
The most immediate risk lies in the ERP’s third-party master data. Creditor addresses entered before 2025 — sometimes imported from a directory or CRM — are frequently in Type K format by construction: line 1 = street + number, line 2 = postcode + city. A field-by-field manual cleanup is required for active suppliers against whom QR payment orders are regularly issued.
For large supplier bases, exporting to CSV, running automated validation (separate postcode field, two-character ISO country code) and reimporting is more efficient than correcting each record through the interface.
2. Standing Orders and Payment Templates
Standing orders (rent, subscriptions, membership fees) encoded with a Type K address must be amended before November 13, 2026 (Banque Cler). In most online banking interfaces, this is a manual process: identify affected orders, delete the non-compliant order, recreate it with a Type S address.
Swiss banks recommend not waiting until the last minute: with tens of thousands of companies affected simultaneously, bank support teams will be overwhelmed during the week of November 10.
3. pain.001 File Generation
pain.001 payment files generated by the ERP or accounting software toward the bank must produce Type S addresses in the <CdtrPostlAdr> block. If your ERP is on a 2024 or later version, this is likely already resolved. If you are running a version predating the IG 2.3 update from autumn 2025, verify with your vendor that a compliance patch has been published and applied to your instance (pfeffersack.ch, Oct. 2026).
For Abacus ERP, Bexio, and Proffix, the IG 2.3 updates were deployed in November 2025. SAP Business One Switzerland and SAP S/4HANA Cloud published the corresponding fixes via SAP notes in Q4 2025. If your SAP ERP is on-premise with an extended release freeze, the compliance note may not yet have been applied.
What to Watch
November 13, 2026 (the day before the deadline) is the date of the SIC release that technically activates the rejection of Type K addresses in the interbank system. There is no grace period beyond that date: a payment order submitted with a Type K address on November 14 will be rejected with no automatic return notification to the originator. Detection of a rejection will come through the camt.053 statement or a bank error message on D+1.
Two points to monitor in the coming weeks: announcements from PostFinance (the primary bank for many Swiss SMEs) on rejection handling and notification channels, and any update guides published by ERP vendors for clients still on 2024 or earlier versions.
For broader context on Swiss ERP specifics, see our complete guide to ERP in Switzerland: Abacus, Bexio, QR-bill and multi-rate VAT. For the wider European regulatory wave, our article on Belgian Peppol e-invoicing sanctions active since April 2026 and our review of France’s first month of mandatory e-invoicing offer a useful comparative perspective.
