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

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
and bank clearing number/BIC

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