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eBill

Country: Switzerland (CH)  |  Payment Rail: bank_clearing

OnlineBanking Market Adoption: 6%

eBill is Switzerland's national digital invoice presentment and one-click payment system operated by SIX Group, embedded in Swiss online banking apps widely used for utility bills, telecom, insurance, and invoices.

🔄 User Payment Flow

  1. User receives digital eBill directly inside Swiss e-banking or mobile banking app
  2. User reviews electronic invoice details, attached PDF, and due date
  3. User taps one-click Approve or sets automated recurring authorization (Standing Approval)
  4. Bank executes fund transfer on specified execution date

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Biller uploads structured eBill XML data to SIX network via certified service provider
  • SIX routes digital invoice directly to payer's specific e-banking portal
  • Customer approves invoice in online banking
  • Funds are cleared and settled automatically with 100% reconciliation match