QR-Bill, Inkasso & Scoring
Swiss invoicing, credit scoring, and SchKG-compliant collections in one workflow
Generate Swiss QR-Bill compliant invoices, auto-fill client details from the registry, and calculate VAT. Score your customers' creditworthiness via Creditreform integration. When payments are overdue, trigger automated Inkasso workflows with Mahnung sequences and SchKG Betreibung filing.
Problems we solve
Standard accounting tools generate fragile QR-Bills where one mismatched IBAN or reference gets the payment rejected.
Without a credit check at invoicing time, SMEs end up financing customers already on a Betreibung list.
Mahnung and Inkasso workflows are scattered across email, post, and ERP exports with no single status board.
VAT, e-invoice XML, and Swiss e-bill formats are configured per-tool, not per-customer, and break on cross-border clients.
What's included
Each module is independently usable and integrates with the rest of the platform.
QR-Bill Generator
Generate fully Swiss-Implementation-Guide-compliant QR-Bills (Type IBAN + QRR) directly from a customer record. PDF, e-bill XML, and printable A4 with detachable payment slip.
Pre-Invoice Credit Check
Run a Creditreform credit score and probability-of-default check at invoice creation. Block, warn, or down-pay invoice based on configurable risk thresholds.
Mahnung & Inkasso Engine
Configurable reminder cadence (1st reminder → final notice → debt-collection handoff). Auto-charge interest, fees, and Mahngebühren per Swiss law.
SchKG Betreibung Filing
Submit Betreibungsbegehren to the correct Betreibungsamt automatically based on the debtor's registered address. Track status from filing through Rechtsöffnung.
Modules
Built-in workflows that ship with the QR-Bill add-on.
Invoice Drafter Agent
Drafts invoices from a project description or time log. Auto-populates registry data, validates VAT number, and computes the correct VAT rate.
Risk Scoring Agent
Pulls Creditreform score + probability of default + active Betreibungen at the moment of invoicing. Recommends down-payment, factoring, or refusal when risk is high.
Mahnung Composer
Composes 1st / 2nd / 3rd reminders in the customer's language with the correct tone escalation and Swiss legal references.
Inkasso Handoff Agent
Generates and files the Betreibungsbegehren, tracks zahlungsbefehl status, and prompts for Rechtsöffnungsbegehren when the debtor objects.
Key capabilities
Swiss QR-Bill (IBAN/QRR)
Compliant with the SIX Swiss Implementation Guide for QR-Bill v2.2.
Auto-Fill from Registry
Look up customers by company name or UID and auto-populate billing details from the Swiss commercial register.
VAT 7.7% / 8.1% / 0%
Per-customer VAT rates with reverse-charge handling for cross-border B2B services.
Creditreform Scoring
Live credit score, probability of default, payment behaviour history, and active Betreibungen.
Mahnung Sequences
Configurable reminder cadence with automatic interest and Mahngebühren calculation.
SchKG Betreibung Filing
Auto-route the Betreibungsbegehren to the correct Betreibungsamt based on debtor address.
e-Bill / e-Invoice XML
Swiss e-bill (PostFinance) and standard ZUGFeRD / Factur-X output for German customers.
Real-Time Dashboard
Single status board across draft, sent, paid, overdue, in-Mahnung, in-Inkasso, and SchKG.
Swiss data hosting, SOC 2 Type II, nDSG/GDPR-compliant — inherited from the platform.