{"id":20560,"date":"2022-07-14T14:22:38","date_gmt":"2022-07-14T14:22:38","guid":{"rendered":"https:\/\/www.multicredit.ch\/qr-bills-what-impact-on-your-personal-loan-payment\/"},"modified":"2022-09-08T14:04:17","modified_gmt":"2022-09-08T14:04:17","slug":"qr-bills-what-impact-on-your-personal-loan-payment","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/qr-bills-what-impact-on-your-personal-loan-payment\/","title":{"rendered":"How will the arrival of QR-bills impact your monthly personal loan payments?"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"QR-bills_will_replace_orange_and_red_payment_slips\"><\/span>QR-bills will replace orange and red payment slips<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many of you have been receiving QR bills for some time. These QR bills will replace the orange and red payment slips as of September 30, 2022.<\/p>\n<p>Indeed, from October 1st, 2022, these payment slips will disappear entirely and it will no longer be possible to pay your monthly <a href=\"https:\/\/multicredit.ch\/en\/credit\/\">private credit<\/a> installments with them.<\/p>\n<p>The QR-bill is a new and efficient alternative, as it will be easier and faster to enter your bills. As far as your preferred payment channel is concerned, you don&#8217;t have to worry about it because it will be possible to pay at the post office counter with your Mobile Banking application or by e-banking.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_do_QR_bills_work\"><\/span>How do QR bills work ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Simple_fast_and_efficient\"><\/span>Simple, fast, and efficient!<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The most suitable way is to scan the QR code with your phone via Mobile Banking. You can also do it from a computer using an optical reader. This way, the payment information for your private loan will be displayed automatically in your e-banking and you will not have to enter it manually.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Here_is_an_example_of_a_QR-bill\"><\/span>Here is an example of a QR-bill<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>QR-bills are composed of two sections:<\/p>\n<ul>\n<li>The receipt<\/li>\n<\/ul>\n<p>This part contains the main information of the payment section. Once the invoice is paid, it will be the proof of payment.<\/p>\n<ul>\n<li>The payment section<\/li>\n<\/ul>\n<p>This section contains the information needed to proceed with the payment. You will also find a QR code in which all the payment information is digitally integrated, such as the name of your bank, your address, and the amount of your monthly credit payment.<\/p>\n<div id=\"attachment_20563\" style=\"width: 572px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-20563\" class=\" wp-image-20563\" src=\"https:\/\/www.multicredit.ch\/wp\/wp-content\/uploads\/QR-bills_ENG-300x150.png\" alt=\"QR-bills\" width=\"562\" height=\"281\" title=\"\" srcset=\"https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/QR-bills_ENG-300x150.png 300w, https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/QR-bills_ENG-1024x513.png 1024w, https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/QR-bills_ENG-768x385.png 768w, https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/QR-bills_ENG-1536x769.png 1536w, https:\/\/multicredit.ch\/wp\/wp-content\/uploads\/QR-bills_ENG-2048x1026.png 2048w\" sizes=\"auto, (max-width: 562px) 100vw, 562px\" \/><\/p>\n<p id=\"caption-attachment-20563\" class=\"wp-caption-text\">Figure 1: Example of the QR-invoice &#8211; fictitious customer<\/p>\n<\/div>\n<h3><span class=\"ez-toc-section\" id=\"Is_it_still_possible_to_enter_the_payment_information_manually\"><\/span>Is it still possible to enter the payment information manually?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>From a computer via e-banking or from your phone with Mobile Banking, you can do so in 5 steps:<\/p>\n<ol>\n<li>Enter the IBAN<\/li>\n<li>Enter the name and address of the bank with which you have taken out a consumer credit<\/li>\n<li>Mention the reference number<\/li>\n<li>Enter the amount to be paid which corresponds to your monthly <a href=\"https:\/\/multicredit.ch\/en\/credit\/\">personal loan<\/a> payment<\/li>\n<li>Mention any communication if indicated<\/li>\n<\/ol>\n<p>You can also pay QR bills at your bank or post office. As with payment slips, you will be given the receipt as proof of payment.<\/p>\n<p>However, don&#8217;t forget to replace your standing order. All standing orders based on a red or orange payment slip must also be changed and corrected with the new references found on the QR bill.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The introduction of QR bills will have no impact on your credit contract, the number of your monthly payments, or the amount of your credit. It is only the payment method that will change. You can find more information about the introduction of QR bills <a href=\"https:\/\/www.kmu.admin.ch\/kmu\/en\/home\/concrete-know-how\/finances\/accounting-and-auditing\/introduction-of-the-qr-bill.html\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"MultiCredit_guides_you_to_good_practice_when_it_comes_to_paying_your_monthly_installments\"><\/span><a href=\"https:\/\/www.google.com\/maps\/place\/Cashflex+MultiCredit:+cr%C3%A9dits+et+finances\/@46.803907,7.154752,17z\/data=!4m5!3m4!1s0x478c652402593959:0xeb2fb0d7bce77484!8m2!3d46.803907!4d7.154752\" target=\"_blank\" rel=\"noopener\">MultiCredit<\/a> guides you to good practice when it comes to paying your monthly installments<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>With our <a href=\"https:\/\/multicredit.ch\/en\/credit\/\">simplified procedures<\/a> and sound advice, you&#8217;ll be able to realize your plans by getting the ideal financing. You can easily estimate your budget with our <a href=\"https:\/\/www.multicredit.ch\/en\/\">calculator<\/a>.<\/p>\n<p>Choosing <a href=\"https:\/\/www.google.com\/maps\/place\/Cashflex+MultiCredit:+cr%C3%A9dits+et+finances\/@46.803907,7.154752,17z\/data=!4m5!3m4!1s0x478c652402593959:0xeb2fb0d7bce77484!8m2!3d46.803907!4d7.154752\" target=\"_blank\" rel=\"noopener\">MultiCredit<\/a> means opting for :<\/p>\n<ul>\n<li>A preliminary decision in only 5 minutes.<\/li>\n<li>Simplified administrative procedures.<\/li>\n<li>Free processing of your application and an offer without obligation.<\/li>\n<li>Flexible terms from 12 to 84 months.<\/li>\n<li>Early repayment of the loan at any time.<\/li>\n<\/ul>\n<p>Don&#8217;t hesitate to contact<a href=\"https:\/\/multicredit.ch\/en\/multicredit-fribourg-about-us\/\"> our consumer credit experts<\/a> for <a href=\"https:\/\/multicredit.ch\/en\/best-credit-rate-contact-us\/\">more information<\/a> and to <a href=\"https:\/\/multicredit.ch\/en\/credit\/personal-loan\/\">finance your project<\/a>.<\/p>\n<p>Visit our <a href=\"https:\/\/multicredit.ch\/en\/blog\/\">blog<\/a> for news, financial advice, and tips.<\/p>\n<p>The article was written by <a href=\"https:\/\/www.linkedin.com\/in\/enver-kutlu\/\" target=\"_blank\" rel=\"noopener\">Enver Kutlu<\/a> and<a href=\"https:\/\/www.linkedin.com\/in\/ivan-popovic-marketing\/\" target=\"_blank\" rel=\"noopener\"> Ivan Popovic<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>QR-bills will replace the classic payment slips. Indeed, from October 1st 2022, these payment slips will disappear entirely and it will no longer be possible to pay your monthly private credit instalments with them. The good news is the appearance of QR-bills which will allow you to pay more simply and quickly.<\/p>\n","protected":false},"author":4,"featured_media":20408,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[258],"tags":[],"class_list":["post-20560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/20560","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=20560"}],"version-history":[{"count":9,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/20560\/revisions"}],"predecessor-version":[{"id":21823,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/20560\/revisions\/21823"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/20408"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=20560"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=20560"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=20560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}