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

  • Using the connection via managed file transfer (MFTPF) or file delivery services (FDS), connect your financial systems via the Internet or partner network with PostFinance and integrate your payment transactions directly into the 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 MFTPF/FDS

    • Simplified processes thanks to automated and high-performance data exchange
    • Optimal integration into your ERP system

    Who are the MFTPF and FDS channels ideally suited to?

    • MFTPF and FDS are suitable for medium-sized to large companies with high volumes of payment orders or daily reconciliation of accounts payable and receivable.
    • MFTPF is available to customers in the payment transactions and card money sector as well as partners.
    • FDS is only available to eBill customers for new registrations.

    Here’s how it works

    • MFTPF/FDS data traffic is managed via the SFTP file protocol. Payment orders and debits are transmitted for posting in clearly defined directories on the MFTPF/FDS server.
    • The notifications and account documents are collected via a single directory. They are differentiated by the file-name structure.
    • PostFinance provides the option of managing and approving the submitted files directly in e-finance. View the full range − including the message types that can be exchanged via the channel − in the relevant manuals.
  • 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)
  • E-finance

    E-finance is the online banking tool from PostFinance. It is suitable for both private customers and business customers with low to medium payment transaction volumes.

    In e-finance there are various approval options for the receipt and delivery of payment transaction files, and it is also possible to carry out foreign exchange trading. In addition, customers can use e-finance for cash management purposes.

    Telebanking Server (TBS) and H-Net

    Submissions and deliveries via the TBS and H-Net channels are now only offered to customers who have an existing TBS or H-Net contract. This channel is no longer available for new registrations. More information on TBS and H-Net can be found in the manual The link will open in a new window offline channels.

  • EBICS

    SFTP channels

    MFTPF maintenance window

    Monthly maintenance is carried out to constantly improve MFTPF. This means use of the MFTPF channel is not possible or restricted on the following weekends:

    • Saturday, 07.01.2023, 11 p.m. to Sunday, 08.01.2023, 5 a.m.
    • Saturday, 11.02.2023, 5 p.m. to Sunday, 12.02.2023, 11 p.m.
    • Saturday, 11.03.2023, 11 p.m. to Sunday, 12.03.2023, 5 a.m.
    • Saturday, 15.04.2023, 11 p.m. to Sunday, 16.04.2023, 5 a.m.
    • Saturday, 13.05.2023, 5 p.m. to Sunday, 14.05.2023, 11 p.m.
    • Saturday, 17.06.2023, 11 p.m. to Sunday, 18.06.2023, 5 a.m.
    • Saturday, 22.07.2023, 11 p.m. to Sunday, 23.07.2023, 5 a.m.
    • Saturday, 12.08.2023, 5 p.m. to Sunday, 13.08.2023, 11 p.m.

    SWIFT

    Other

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