- 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)
- 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 |
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 Up to 60,000 |
Prices Free of charge |
| Number of total transactions/year on total customer relationship From 60,001 to 100,000 |
Prices CHF 0.12/transfer |
| Number of total transactions/year on total customer relationship More than 100,000 |
Prices On request |
Data delivery (notification)
| Service | E-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.
- Registration/change Electronic payment order (PDF) The link will open in a new window
- Factsheet: Electronic payment order (PDF) The link will open in a new window
- EPO manual (PDF) The link will open in a new window
- Factsheet: Creditor user group (PDF) The link will open in a new window
- Prices and conditions for business customers
