Data transfer via payCOMweb
payCOMweb is an Internet-based solution for the transmission of transfers in DTA format, and also for the transmission of direct debits (LSV+/BDD/SEPA). It is the electronic interface for the automated exchange of data between your finance software and SIX.
With payCOMweb you can securely, rapidly and efficiently transmit data around the clock, seven days a week.
Files with up to one million transactions can be transmitted smoothly with payCOMweb. Packaged as a ZIP file, up to 10 files can be sent with transfer or direct debit orders.
payCOMweb provides for the latest security standards (electronic certificate on a smart card, password, and 128-bit encryption).
Continuous automatic processing is possible with payCOMweb. With electronic order approval the postal dispatch of credit and debit orders becomes superfluous.
Transfers in DTA format and direct debits are generated using suitable standard recording software and are saved locally.
The ordering party logs in with his/her smart card into the payCOMweb application and transmits the locally saved files though the Web browser with SSL encryption. He/she then receives an electronic confirmation of receipt.
payCOMweb offers the option of electronic approval by the ordering party. Alternatively, the approval can also be made by the ordering party’s house bank, if the ordering party has sent the credit or debit order on paper.
The payment approval is made upon verification of the payment data. The ordering party can call up, save and print out the processing confirmation at any time.
The creditor’s financial institution of account, i.e. the ordering party, as well as that of the debtor will be notified about the incoming payment, whereby the debtor banks checks whether the requirements (e.g. authorization, credit-worthiness) are sufficient to execute the payment.
If the payments are approved by the respective financial institution, payCOMweb then processes the order and carries out the corresponding credits and/or debits upon the customers’ accounts through the financial institutions.
The payCOMweb application of SIX Payment Services is accessed with the appropriate system requirements* via a Web browser and is secured by means of an electronic certificate (X.509v3) with a 1024-bit private key on a password-protected smart card (PIN). SIX Interbank Clearing provides certification services in assignment by SIX Payment Services. The legally-signed registration form form is used both the registration for participation in payCOMweb as well as for the ordering of the hardware and software needed to use it.
* System requirements
|PC with Internet access||Requirements|
|clock frequency||1 GHz|
|Available disk space||2 GB|
|screen resolution||1024 x 768|
|Internet access||ADSL- or cable modem|
|Operating system||Windows XP SP 3+, Windows Vista, Windows 7 and 8|
|Available interfaces||1 serial or 1 USB (for the SmartCard reader)|
|Browser||Internet Explorer Version 8 or later|
|Software||Software for creation of DTA and LSV files respectively|
- Submission of payments via the house bank:
A number of Swiss banks offer an alternative to payCOMweb with their own submission channels, with which their customers can submit their transactions directly to their house bank. Please contact your house bank for more information.
- Submission through other file transfer services:
Electronic approval through payCOMweb is both possible here, and is recommended.