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HappySIC Instant Payment
CHF instant on the Swiss rail.
Bank
Banque de Démonstration
What is happening
pacs.008 SIC IP submit
Debtor bank reserves funds and submits pacs.008 with ClrSys=SIC and LclInstrm=INST/CHIP into the SIC5 IP service. Clock SLA <10s starts.
Swiss Credit Transfer (SIC / SIC IP)Which rules? — SIC Payment SchemeWhich system? — SIC
ISO 20022 payload· XML
pacs.008 SIC Instant Payment
CHF instant credit on SIC IP. Same message family as SCT Inst, Swiss instant ClrSys.
<Document xmlns="http://www.six-interbank-clearing.com/de/pacs.008.001.08.ch.02.xsd">
<FIToFICstmrCdtTrf>
<GrpHdr>
<MsgId>PACS8-SIP-20260812-009</MsgId>
<CreDtTm>2026-08-12T10:15:00.123</CreDtTm>
<NbOfTxs>1</NbOfTxs>
<TtlIntrBkSttlmAmt Ccy="CHF">42.50</TtlIntrBkSttlmAmt>
<IntrBkSttlmDt>2026-08-12</IntrBkSttlmDt>
<SttlmInf>
<SttlmMtd>CLRG</SttlmMtd>
<ClrSys>
<Prtry>SICIP</Prtry>
</ClrSys>
</SttlmInf>
<InstgAgt>
<FinInstnId>
<BICFI>UBSWCHZH80A</BICFI>
</FinInstnId>
</InstgAgt>
<InstdAgt>
<FinInstnId>
<BICFI>ZKBKCHZZ80A</BICFI>
</FinInstnId>
</InstdAgt>
</GrpHdr>
<CdtTrfTxInf>
<PmtId>
<EndToEndId>E2E-SIP-2026-0042</EndToEndId>
<TxId>TX-SIP-0000042</TxId>
</PmtId>
<PmtTpInf>
<LclInstrm>
<Prtry>INST</Prtry>
</LclInstrm>
</PmtTpInf>
<IntrBkSttlmAmt Ccy="CHF">42.50</IntrBkSttlmAmt>
<ChrgBr>SHAR</ChrgBr>
<Dbtr>
<Nm>Anna Meier</Nm>
</Dbtr>
<DbtrAcct>
<Id>
<IBAN>CH9300762011623852957</IBAN>
</Id>
</DbtrAcct>
<DbtrAgt>
<FinInstnId>
<BICFI>UBSWCHZH80A</BICFI>
</FinInstnId>
</DbtrAgt>
<CdtrAgt>
<FinInstnId>
<BICFI>ZKBKCHZZ80A</BICFI>
</FinInstnId>
</CdtrAgt>
<Cdtr>
<Nm>Jonas Keller</Nm>
</Cdtr>
<CdtrAcct>
<Id>
<IBAN>CH5604835012345678009</IBAN>
</Id>
</CdtrAcct>
</CdtTrfTxInf>
</FIToFICstmrCdtTrf>
</Document>