2.1 Overview
This page covers the banking business domain Payments.
In the payment context, ISO20022 is the underlying message standard (which has already been adopted to Swiss characteristics and is published via SIX), and the pan-European association The Berlin Group is a leader in API standardization regarding payments. Therefore, the SFTI working group carefully examined whether The Berlin Group's payment API recommendations could contribute to the Swiss API standard.
Contents and limitations
The use cases described in the following chapters relate exclusively to the core processes of banking. This serves to get an idea of the process's services. Aspects of security and privacy are excluded at this point and will be addressed separately.
Wherever it's necessary for the current core business process to include security and/or privacy aspects, a respective placeholder will be set. The same approach also applies to other non-functional requirements and/or constraints.
Use Case Overview
The following section shows the basic use cases covered.
Payment Submission
Submit payments
Show submitted payments incl. status
Delete submitted payments before execution
Payment Statements
Show all entries booked to the account (e.g. balance information)
Standing Orders
Submit standing orders
Show submitted standing orders incl. status
Advanced Use Cases
Certainly, with additional TPP logic, advanced use cases are possible as:
Customer initiates payment at merchant and authorizes it at bank
Customer pays to another end customer (Peer-to-peer)
Customer approves direct debit at bank
Payment Types (aligned with SIX)
The payment types defined in the Swiss Business Rules are considered for this API. For the message regarding the payment initiation submission and the request of account transaction, the payment types are categorized as follows.
IBAN payments
Collection for IBAN payments with following characteristics:
Contains a valid Swiss creditor and Swiss debtor IBAN (CH or LI), currency CHF or EUR.
Contains a valid Swiss creditor and Swiss debtor IBAN (CH or LI), currency is not CHF or EUR.
Contains a valid SEPA-country creditor and Swiss debtor IBAN (CH or LI), currency is EUR.
Contains a foreign non SEPA-country creditor and Swiss debtor IBAN (CH or LI), contains a creditor agent, all currencies allowed.
ISR payments
Contains a valid Swiss debtor IBAN (CH or LI) an ISR-participant number, creditor agent is empty, ISR-reference is delivered, currency is CHF or EU.
Other payments
Collection for all other payments with following characteristics:
Contains a domestic or foreign creditor bank account, Swiss debtor IBAN (CH or LI), contains a creditor agent, all currencies allowed.
Overview of Payment Types
The following overview shows the payment types as defined by Swiss Payment Standard (SPS)
Mapping
Swiss Payment Standards | Titel SPS | Description | Common API |
---|---|---|---|
Type 1 | ISR | Payment with reference number (ESR) | ISR |
Type 2.1 | IS 1-stage | Payment for a postal account (ES) | OTHER |
Type 2.2 | IS 2-stage | Payment for a bank account (ES) | OTHER |
Type 3 | IBAN, postal account and IID/BIC | Bank/postal payment (without receipt) with IBAN/postal account | IBAN |
Type 4 | Foreign currency | Bank/postal payment (without receipt) in foreign currency (ES) with IBAN | IBAN |
Type 4 | Foreign currency | Bank/postal payment (without receipt) in foreign currency (ES) without IBAN | OTHER |
Type 5 | Foreign SEPA | Foreign payment SEPA (GI) | IBAN |
Type 6 | Foreign | Foreign payment all currencies (GI) with IBAN | IBAN |
Type 6 | Foreign | Foreign payment all currencies (GI) without IBAN | OTHER |
Type 7 |
| No longer valid | - |
Type 8 |
| Cash International (CI) | OTHER |