Electronic payment order

Efficient payment processing
Consultation

With the electronic payment order (EPO), you can process your payments in Switzerland and abroad and your salary payments easily and securely in your own payment or financial accounting software, while maintaining a complete overview of your accounts payable.

Electronic payment order (EPO): for credit transfers in Switzerland and abroad

  • Prepare and enter payment orders directly in your payment or financial accounting software

  • Electronic data transmission via e-finance or file transfer

  • Delivery as EPO XML (ISO 20022 standard with pain.001)

  • Orders may be cancelled or changed up to the evening before the due date

  • Free credit transfers between accounts in Switzerland

  • Free electronic order notification (ISO 20022 or PDF)

    • Business account
    • EPO agreement or registration for e-finance
    • Financial accounting or payment software with integrated EPO interface

    1. Enter accounts payable and salary payments on your PC
    2. Determine due date
    3. Send file to PostFinance
    4. PostFinance executes the payments promptly

    Credit transfers

    In Switzerland

    Domestic payment to an account or IBAN
    Abroad
    International payment

    Processing and booking rules

    On the due date:

    • The EPO is charged to the customer
    • Credit transfers are credited to a PostFinance account
    • Credit transfers to a bank account are processed at the recipient bank
    • Payments for other countries are forwarded to the destination country

  • These prices apply for transactions within Switzerland.

    Transaction prices

    Number of total transactions/year on total customer relationship Prices
    Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments
    Up to 60,000
    		 Prices
    Free of charge
    Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments
    From 60,001 to 100,000
    		 Prices
    CHF 0.12/transfer 
    Number of total transactions/year on total customer relationship Number of national transactions/transfers sent and received electronically on all accounts in the overall customer relationship, including express payments and credits from cash inpayments. Excluded are credit and debit entries of: CH-DD direct debit transactions; instant account transfers; card payments; cancellations/corrections. Also excluded are direct debits from: OSR outpayment slips; inpayments at Swiss Post branches; payment orders (PO); standing orders (SO) set up by form, telephone or at a branch; TWINT payments
    More than 100,000
    		 Prices
    On request

    Data delivery (notification)

    ServiceE-finance or file transfer (ISO20022 or PDF)On paper
    Service
    Account statement with batch or individual debit for each order
    		 E-finance or file transfer (ISO20022 or PDF)
    Free of charge
    		 On paper
    Free of charge
    Service
    Order/execution confirmation (optionally with “Transactions with price” annex)
    		 E-finance or file transfer (ISO20022 or PDF)
    Free of charge
    		 On paper
    CHF 2 (per document)
    Service
    Individual confirmation (optional)
    		 E-finance or file transfer (ISO20022 or PDF)
    Free of charge
    		 On paper

    CHF 2 (per document)
    Service
    Processing message (mandatory)
    		 E-finance or file transfer (ISO20022 or PDF)
    Free of charge
    		 On paper
    Free of charge

    Value dates

    Credit and debit are carried out on the same working day. Exception: For electronic payment orders with an orange inpayment slip (ISR), the period between credit and debit is one working day.

Electronic payment order

We will be pleased to set aside time for a personal consultation.
Consultation

This might interest you too