Suggestion for fields /50/ and /51/ in Swico-String

[nicolasguillet]

We have been processing PDFs containing multiple QR-Codes.

• In one case, there was a separate QR-code with the discount (skonto / escompte) already reduced from the amount.
• In another case, separate QR-codes were present for a small number of instalments (Ratenzahlungen / paiements échelonnés).

While I think the first case is disputable, the second is not, and will probably be used on tax bills for example, as it is the case using ISRs today.

To avoid errors when processing those bills, two new fields could be used to make these cases clearer:

• /50/ → If present, it means that the discount has already been reduced from the amount. Don’t do it a second time.
• /51/ → If present, it means that this an instalment amount, not the total amount.
  Btw, the order of the instalments is given by the due date in /40/.

[nicolasguillet]

Btw, it would be nice if I get asked by my ebanking which of the skonto variations I'd like to choose, filling in amount and the due date properly. And no, I don't change my bank because of this ;-)

[epsitec]

I would suggest that /50/ should not be used without an argument. There might be multiple discounts. Which is the discount which has been selected when the QR-bill was produced? I'd suggest adding the discount to make it clear.

Example:

/40/3:15;0.5:45;0:90
/50/0.5

This would specify that the QR-bill contains the amount for the 0.5% discount.

[epsitec]

We should clarify what this means for the VAT amount in field /32/ when /50/ is present:

• Is the net amount taking into account the discount?
• Is the net amount the amount of the invoice before any discount?

[epsitec]

How does this play with https://github.com/swico/www.swiss-qr-invoice.org/issues/28 tag /35/ which would specify the invoiced amount? If an invoice is provided with two QR-bills, giving the debtor the opportunity to pay it in two instalments, should the invoiced amount be divided correspondingly?