Discontinuation of LSV+/BDD in Switzerland

Do you use the LSV+/BDD schemes, which will be discontinued as of 30 September 2028? Plan early and discover our future-proof alternatives. You can continue to count on our CH-DD direct debit scheme.

PostFinance is adding TWINT Direct Debit to its range of recurring payment services. In future, the new solution will provide another digital option for processing payments conveniently via the TWINT ecosystem. This will make it possible to reach the 6 million TWINT users. The launch is planned for the second half of 2027. Detailed information on features, requirements and connection options will be published in due course. 

Important: Swiss Direct Debit will remain part of our range of services.

Your next steps

Make your invoicing fit for the future: if you use the direct debit scheme with right of objection (LSV+) or business direct debits (BDD) by SIX, we recommend taking the following action:

  1. Act early: stop offering LSV+/BDD to new customers as a payment method immediately to avoid later migrations. From 1 January 2026, SIX will no longer activate new invoice issuers for LSV+/BDD. Existing invoice issuers can continue to use the service until 30 September 2028.
  2. Review replacement procedures: analyse available alternatives and decide how you want to send invoices in future, such as via eBill, B2B e-invoicing or Paper Bill.
  3. Plan adjustments: clarify how you can transfer existing receivables to the alternative invoicing processes. We are happy to support you with coordination and implementation.
  4. Communicate dates: inform your customers ahead of time regarding implementation of the new processes and any deadlines.
  5. Switch to alternatives: closely monitor transactions during implementation to avoid errors.

Do you have any questions? We would be happy to advise you.

Organize a personal discussion to find out more about suitable invoicing solutions.

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Send invoices easily: compare your options

Which solutions are best suited to your business and your customers? Compare the options and choose the most suitable.

eBill Electronic invoices
  • High delivery rate and fast receipt of payment – especially when standing approval is activated
  • Time savings
  • High security
  • No media disruption for you and your recipients
  • No printing and shipping costs
B2B e-invoicing Accounts receivable invoices
  • High delivery rate and fast receipt of payment
  • Time savings
  • High security
  • Seamless integration into your ERP
  • No printing and shipping costs
Paper Bill Automated paper invoices
  • Digital delivery
  • Highest security standards
  • Also reaches customers without digital solutions
  • Returns reports for easier maintenance of your customer master data
  • Full control over the processing status

More invoicing solutions

Useful information

Two types of direct debit scheme are currently used in Switzerland: PostFinance’s CH-DD direct debit only allows PostFinance accounts to be debited, whereas SIX’s LSV+/BDD only allows accounts from other banks to be debited. PostFinance’s CH-DD direct debit will continue to be available as usual; LSV+/BDD will be discontinued as of 30 September 2028.

Questions and answers

  • A direct debit scheme allows companies to take payments directly from their customers’ bank accounts. It’s an easy method of processing repeat payments such as invoices or subscriptions.

  • A direct debit refers to a payment that is debited from the account holder’s bank account with their consent.

  • PostFinance’s CH-DD direct debit scheme is also known as Swiss Debit Direct, or Debit Direct for short.

    Find out more about Swiss Debit Direct

  • From 1 January 2026, SIX will no longer activate new invoice issuers for LSV+/BDD. Existing invoice issuers can continue to use the service until 30 September 2028.

    Start looking into eBill, B2B e-invoicing and Paper Bill as attractive alternatives for future-proof invoicing in your company. 

  • All existing debit payments must be carried out by 30 September 2028 at the latest. After this date, no further LSV+/BDD direct debits can be set up and payments will be rejected.

  • A direct debit (direct debit scheme) allows the payment recipient to take money from the payer’s account, whereas a standing order is a fixed amount that the account holder pays regularly.

  • A direct debit is an actual debit from an account, whereas a direct debit authorization refers to prior consent of the account holder allowing the creditor to debit the amount.

  • If you currently use Debit Direct plus/Business Direct Debit, you should start planning to switch to an alternative solution in good time. This payment procedure can still be used until 30 September 2028 but will no longer be available after that date.

    PostFinance’s CH-DD direct debit will not be affected by the deactivation and will remain part of our range of services. New invoice issuers will also be able to register for CH-DD in future.

  • TWINT Direct Debit is a new digital solution for recurring payments that will be available from 2027 as a follow-on solution for the discontinued Debit Direct plus/Business Direct Debit procedure. The solution combines the advantages of direct debit with the intuitive digital user experience of TWINT. Customers can issue, view and manage debit authorizations directly in their TWINT App. This gives invoice issuers another option for processing recurring payments conveniently via a digital channel. The launch at PostFinance is planned for the second half of 2027.

  • TWINT Direct Debit is aimed at companies that take recurring payments from private customers, for example for subscriptions, memberships or regular services. For direct debits charged to business customers, CH-DD remains the right solution.