For Small Business & Startups

Pay Your Suppliers in 2 Minutes — Not 2 Hours

You run a small Swiss business. You don't have a finance team. But your bank still needs a PAIN.001 file to process payments. We make that simple, free, and fast.

Generate My Payment File — Free Learn how it works
✓ No account needed ✓ No training needed ✓ No ERP needed ✓ Free to start
What we do

Finance Automation That Actually Makes Sense for Small Business

You shouldn't need an enterprise system to pay 20 invoices a month. Here's what we built for you.

🧾

You have Swiss invoices

QR-bill PDFs from your suppliers — every Swiss invoice since 2022 has this format.

📤

You upload them to our tool

Drag and drop. No signup, no software to install. Works in any browser.

⚡

We read the QR codes

The tool extracts all payment details automatically — IBAN, amount, reference. Zero typing.

🏦

You download & pay

Upload the generated file in your bank's e-banking. All payments processed in one go.

The difference

Before & After swissCFO

❌ Without swissCFO

  • Open each invoice PDF manually
  • Copy IBAN into e-banking by hand
  • Type amount, name, reference for each one
  • Double-check everything — one typo = rejected payment
  • 30–90 minutes for a typical payment run
  • One mistake discovered a week later

✓ With swissCFO

  • Upload all invoices at once
  • QR codes read automatically — zero typing
  • Review extracted data in one screen
  • Download one payment file
  • Upload to e-banking — done in under 5 minutes
  • Data comes from the invoice itself — no human errors
Step by step

It Really Is This Simple

1

Collect your invoices

Save your Swiss QR-bill PDFs from email, WhatsApp, or your desktop into one folder.

2

Upload to the tool

Go to swisscfo.ch/tools/invoice-to-pain — drag and drop all your invoices.

3

Check the numbers

The tool shows you every payment — verify amounts and IBANs with one glance.

4

Download the file

Click Generate — you get a PAIN.001 XML file ready for your bank.

5

Upload to e-banking

In your bank's portal, find "Import payment file" — upload and confirm.

Pricing

Start Free. Upgrade When You Need To.

No annual contracts. No surprise charges. Cancel any time.

Free

CHF 0
10 payment file generations
  • 10 free uses — no account needed
  • Unlimited invoices per generation
  • All Swiss banks supported
  • QR-IBAN, SCOR, free references
Start Free

Subscription

CHF 5
per month · cancel anytime
  • Unlimited payment file generation
  • Unlimited invoices per generation
  • All Swiss banks supported
  • Payment history saved to your account
  • Priority support
Get Started

Your Next Payment Run: Done in 5 Minutes

No training. No setup. Just upload your Swiss invoices and get a payment file. Try it free right now.

Generate My First Payment File →