Upload your Swiss QR-bill invoices and get a ready-to-upload PAIN.001.001.03 XML payment file — compatible with every Swiss bank's e-banking portal.
No manual data entry. The tool reads the QR code in each invoice automatically.
Drag and drop your Swiss QR-bill PDF invoices. Batch upload supported.
The tool reads each invoice's QR code — IBAN, amount, creditor, and payment reference are extracted automatically.
Check the extracted payment data before generating. Edit if needed.
Get your ISO 20022 PAIN.001.001.03 XML file. Upload it directly in your bank's e-banking portal.
PAIN.001 stands for PAyment INitiation. It is an ISO 20022 XML message format that businesses use to instruct their bank to execute one or more credit transfers (Zahlungsaufträge).
In Switzerland, the Swiss Payment Standards (SPS) mandate the use of PAIN.001.001.03.ch.02 for domestic and international credit transfers. All Swiss banks — UBS, Raiffeisen, PostFinance, ZKB, and cantonal banks — support this format.
Instead of entering invoices one by one in e-banking, you upload a single PAIN.001 file containing all payment instructions. This eliminates manual data entry and reduces the risk of payment errors.
Since 2022, all Swiss invoices with a payment slip use the Swiss QR-bill format. Each invoice contains a QR code with all payment data: IBAN, amount (CHF or EUR), creditor name, and QR reference number.
The swissCFO tool reads this QR code automatically — no manual typing required.
| Specification | Details |
|---|---|
| Format | PAIN.001.001.03.ch.02 |
| Standard | ISO 20022 |
| File type | XML |
| Currency | CHF, EUR |
| Payment type | Domestic & international credit transfer |
| Bank compatibility | All Swiss banks (SPS compliant) |
| Input | Swiss QR-bill PDF invoices |
| Batch support | Multiple invoices → 1 file |
| Reference types | QR-IBAN, SCOR, NON |
One PAIN.001 file replaces hours of e-banking data entry — and eliminates transcription errors.
Process 20 invoices in under 2 minutes. Upload once, pay all at once. No more copy-pasting IBANs.
Data is read directly from the QR code on each invoice — no manual typing means no typos in IBANs or amounts.
The generated XML file is PAIN.001.001.03 compliant — accepted by UBS, PostFinance, Raiffeisen, ZKB, and all cantonal banks.
Invoice processing happens entirely in your browser. Your financial data never leaves your device.
Upload multiple invoices at once and receive a single consolidated PAIN.001 file — ideal for month-end payment runs.
10 free conversions, no account required. CHF 5/month subscription for unlimited use.
Built for anyone responsible for paying suppliers in Switzerland.
Automate monthly payment runs for Swiss SMEs using Abacus, SAP Business One, Banana Accounting, or any ERP without a native PAIN.001 export.
Process payment files for multiple clients efficiently. Standardise workflows and reduce back-and-forth with clients over payment details.
No treasury department? No problem. Automate supplier payments without expensive ERP software or bank integrations.
Handle supplier invoice payments without needing finance training. The tool guides you step-by-step.
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Generate Your PAIN.001 File →