- Business account
- EPO agreement or registration for e-finance
- Financial accounting or payment software with integrated EPO interface
Electronic payment order
Efficient payment processing
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
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Prepare and enter payment orders directly in your payment or financial accounting software
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Electronic data transmission via e-finance or file transfer
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Delivery as EPO XML (ISO 20022 standard with pain.001)
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Orders may be cancelled or changed up to the evening before the due date
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Free credit transfers between accounts in Switzerland
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Free electronic order notification (ISO 20022 or PDF)
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- Enter accounts payable and salary payments on your PC
- Determine due date
- Send file to PostFinance
- PostFinance executes the payments promptly
Credit transfers
In Switzerland- Payments with red inpayment slips (IS) to a PostFinance account
- Domestic clearing payments
- Orange inpayment slips (ISR)
Abroad- Giro international (PGI/BGI)
- Cash international (PCA)
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 bank’s data center
- Orange inpayment slips (ISR) with a reference number are processed and credited on the next Swiss Post working day
- Payments for other countries are forwarded to the destination country
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Data delivery (notification)
Service E-finance or file transfer (ISO20022 or PDF) On paper
Service Account statement with batch or individual debit for each orderE-finance or file transfer (ISO20022 or PDF) Free of charge
On paper Free of charge
Service Order/execution confirmation (optional with “Transactions with price” annex)E-finance or file transfer (ISO20022 or PDF) Free of charge
On paper CHF 1 (per document)Service Individual confirmation (optional)E-finance or file transfer (ISO20022 or PDF) Free of charge
On paper - CHF 1 (1st to 10th transaction)
- 11th and subsequent transaction CHF 0.10 (per additional transaction)
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.
