Payment transaction channels

Direct connection to PostFinance

Your direct connection to PostFinance. Link your bookkeeping to payment transactions with the right connection.

Payment transaction channels: direct, secure and reliable

  • The very latest security standards

  • Direct connection between your accounts or your cash management application and PostFinance

  • Selection of different approval options and authorization structures

  • Free to use: connections are provided free of charge by PostFinance

  • The EBICS interface from PostFinance is your updated, faster and more secure communication method that ensures electronic access to your payment transactions and cash management.

    EBICS (Electronic Banking Internet Communication Standard) is a European standard for automatic data exchange that allows you to carry out payment transactions highly efficiently.

    Typical EBICS features are the high degree of security through the use of hash values, encryption and electronic signatures and the mapping of different authorization structures using a “distributed electronic signature”. A core added value compared to other channels is data exchange regardless of country. This functions via a single EBICS channel with all financial institutions that offer EBICS. Messages and reports are known as “order types” in the EBICS environment.

    Benefits of EBICS

    • Communication standard with business customers and other financial institutions
    • High security standard
    • Automatic interface and integrated solution with optimized processes
    • Compatibility both with established software applications and with proprietary solutions
    • Suitable for data volumes of different sizes
    • Selection of different approval options thanks to the mapping of different authorization structures using a “distributed electronic signature”
    • Clarity and traceability of all transactions thanks to data capture using logs

    EBICS is suitable for business customers

    • With high volumes of payment orders or daily balancing of accounts payable and receivable
    • With low volumes of payment orders, Wanting process automation and high expectations for payment transactions

    Here’s how it works

    The connection to PostFinance is made directly via company software (ERP and TMS systems).

    EBICS is available in versions 3.0 and 2.5. We recommend using the latest version. Approval can be given for payments via the distributed electronic signature, corporate seal (individual signature), e-finance and the Cash Management Tool (with an appropriate CMT contract). View the complete range − including order types, authorization structures, approval options and their benefits − on our flyers and parameter information sheets.

    Simplified mapping to message approval and receipt notification

  • Link your financial systems to PostFinance online or via a partner network using the File Delivery Services and integrate your payment transactions directly into the financial accounting software (import and export function). The technical requirements are a computer (WS) and SFTP software. You can also connect using your network (LAN) via a router. The connection is established using TCP/IP.

    Benefits of FDS

    • Simplified processes through automated and high-performance data exchange
    • Optimum integration into your ERP system

    Who is FDS suitable for?

    FDS is suitable for medium to large companies with high volumes of payment orders or daily reconciliation of accounts payable and receivable.

    Here’s how it works

    FDS data traffic is managed using the SFTP file protocol. Payment orders and debits are transmitted for posting in clearly defined directories on the FDS server. Notifications and account documents are collected via a single directory and can be differentiated between using the filename structure. PostFinance offers the option of managing and approving the submitted data directly in e-finance. View the entire range − including the message types that can be exchanged via the channel − in the File Delivery System and Offline Channels manuals.

  • E-finance

    E-finance is the online banking portal from PostFinance. It is suitable for all customers with small to medium numbers of payment transactions, such as private customers, SMEs or associations. E-finance is also suitable for major corporations that use cash management. The approval rights in this form of file exchange always correspond to the rights that the users have in e-finance. Account statements and e-documents in all formats (ISO, MT and PDF format) can be accessed via this channel, and ISO messages such as pain.001 and debit payments pain.008 can be submitted.

    E-finance is offered in two forms

    • As an online portal (with access via the browser)
    • As an online portal with automated upload/download interface (with access via customer software and the same e-finance login as in the online portal)

    Benefits of e-finance

    • Usable with or without additional software depending on the method used (online portal or e-finance offline)
    • Management of several accounts via the same e-finance contract
    • Online access from anywhere at any time to all accounts, account transactions and fund custody accounts
    • Access and approval rights for each user can be set with PostFinance

    SWIFT for business customers

    Major corporations can use PostFinance’s SWIFT communications channel with the SWIFT connection (SWIFT – Society for Worldwide Interbank Financial Telecommunication) for business customers. Fast and secure transfers can be made within and outside Switzerland using the range of services from SWIFT access model Score and the services SWIFTNet Fin and SWIFTNet FileAct. The channel is offered both for the exchange of MT messages (MT101/MT195) and MT reporting (MT940/MT942), and for messages in ISO format, such as pain.001 and pain.008/pain.002, camt.053/.054 (with or without image) and PDF account statements.

    Benefits of SWIFT

    • Use of the SWIFT communication and messaging standards
    • High level of security thanks to worldwide SWIFT network 
    • Possibility of immediate execution (same day)

    Telebanking Server (TBS)

    PostFinance’s Telebanking Server is an established proprietary solution that has existed for around 20 years and is suitable as a payment transaction channel for medium to large companies. The technical requirements are a TCP/IP connection and a partner software with a communication module. Date exchange between the business customer’s software and PostFinance is implemented via a direct encrypted connection (KeyPack). Orders can be approved, changed or deleted in the company software or directly in e-finance. Messages in MT and ISO format can be exchanged via the channel.

    Benefits of TBS

    • High degree of automation and simplified processes
    • Direct connection between financial accounting and the Telebanking Server


    H-Net is a payment transaction channel specially developed in 2015 for health insurers, insurance companies and medical practices. It is used to connect these business customers to banks or similar stakeholders. Messages in MT and ISO format can be exchanged via the channel.

    Benefits of H-Net

    • Direct connection to PostFinance for health insurers, medical practices and insurance companies
    • Integration in the customer software

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