Clearing & settlement

Swiss Payment Standards / SIC

SIC CHF customer credit (Regular Payment)

Regular Swiss franc credit transfer settled via SIC RTGS in SNB central bank money during 24-hour continuous settlement cycles with daily cut-offs.

Why read this

Regular domestic CHF credit transfers under Swiss Payment Standards (SPS 2026). Requires 100% pre-funding; uncovered transfers enter the SIC wait file queue.

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Technical view of Swiss Credit Transfer (SIC / SIC IP)

Messages · pain.001 → pain.002 → pacs.008 → pacs.002

sicchfpain.001pacs.008swissregular

Transaction flow

PSUUserASPSPBankRailRTGSCreditorBank01 pain.001 CHF initiation01 pain.00102 pain.002 acceptance02 pain.00203 pacs.008 into SIC RTGS03 pacs.00804 pacs.002 receipt04 pacs.00205 Settled pacs.008 delivered05 pacs.00806 Creditor bank pacs.00206 pacs.002
PSU: UserASPSP: BankRail: RTGSCreditor: Bank
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Messages
01

pain.001 CHF initiation

API layer

Customer-bank Swiss Payment Standards initiation. Supports Swiss QR-bill structured remittance data (QRR/SCOR); currency must be CHF.

Messagepain.001Full detail →

The instruction a customer — or a PISP acting for one — sends to its bank to move money. In PSD2 this is what a bulk or file payment body actually contains.

Also used in

psuaspsp

ISO 20022 payload· XML

pain.001 SIC CHF credit transfer

Swiss Payment Standards initiation in CHF. No SEPA service level — this becomes a SIC pacs.008, not STEP2.

<Document xmlns="http://www.six-interbank-clearing.com/de/pain.001.001.09.ch.03.xsd">
<CstmrCdtTrfInitn>
<GrpHdr>
<MsgId>PAIN1-CH-20260812-001</MsgId>
<CreDtTm>2026-08-12T10:00:00</CreDtTm>
<NbOfTxs>1</NbOfTxs>
<CtrlSum>250.00</CtrlSum>
<InitgPty>
<Nm>Alpine Tools AG</Nm>
</InitgPty>
</GrpHdr>
<PmtInf>
<PmtInfId>PMTINF-CH-001</PmtInfId>
<PmtMtd>TRF</PmtMtd>
<BtchBookg>false</BtchBookg>
<NbOfTxs>1</NbOfTxs>
<CtrlSum>250.00</CtrlSum>
<ReqdExctnDt>
<Dt>2026-08-12</Dt>
</ReqdExctnDt>
<Dbtr>
<Nm>Alpine Tools AG</Nm>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>CH9300762011623852957</IBAN>
</Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId>
<BICFI>UBSWCHZH80A</BICFI>
</FinInstnId>
</DbtrAgt>
<ChrgBr>SHAR</ChrgBr>
<CdtTrfTxInf>
<PmtId>
<InstrId>INSTR-CH-0001</InstrId>
<EndToEndId>E2E-CH-2026-0001</EndToEndId>
</PmtId>
<Amt>
<InstdAmt Ccy="CHF">250.00</InstdAmt>
</Amt>
<CdtrAgt>
<FinInstnId>
<BICFI>ZKBKCHZZ80A</BICFI>
</FinInstnId>
</CdtrAgt>
<Cdtr>
<Nm>Lakeside GmbH</Nm>
</Cdtr>
<CdtrAcct>
<Id>
<IBAN>CH5604835012345678009</IBAN>
</Id>
</CdtrAcct>
<RmtInf>
<Ustrd>Rechnung 88421</Ustrd>
</RmtInf>
</CdtTrfTxInf>
</PmtInf>
</CstmrCdtTrfInitn>
</Document>
42 elementsdepth 6pain.001.001.09.ch.031344 charsxml
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