ISO 20022 is a global financial messaging standard published by ISO. It provides a common platform for developing financial message standards using XML-based syntax. In Switzerland, ISO 20022 messages have replaced the legacy DTA and EZAG payment formats.
The most relevant message types for invoicing:
| Message | Description |
|---|---|
| pain.001 | Customer credit transfer initiation |
| pain.002 | Payment status report |
| camt.054 | Credit/debit notification (booking confirmation) |
eBill uses the pain.001 message structure for payment approval. Swiss banks migrated fully to ISO 20022 pain/camt messages by November 2022.
Key facts
- Published by ISO (International Organization for Standardization)
- Swiss implementation governed by SIX Interbank Clearing
- Replaced legacy DTA/EZAG formats
- Full Swiss migration: November 2022