The Swiss Payment Standards (SPS) are the implementation guidelines published by SIX Interbank Clearing that define how ISO 20022 XML messages must be structured for submission to Swiss banks. They are the authoritative reference for building payment files in Switzerland.
The SPS cover the following message families:
| Message | Purpose |
|---|---|
| pain.001 | Customer credit transfer initiation |
| pain.002 | Payment status report |
| pain.007 | Customer payment reversal |
| pain.008 | Direct debit initiation |
| camt.052 | Account report (intraday) |
| camt.053 | Account statement (end-of-day) |
| camt.054 | Debit/credit notification (individual booking) |
The SPS replaced the legacy DTA, EZAG, and LSV+ formats, with full migration completed in November 2022.
Key facts
- Published by: SIX Interbank Clearing
- Based on: ISO 20022 XML
- Replaced: DTA, EZAG, LSV+ (all discontinued 2022)
- Current version: SPS 2024 (annual update cycle)
- Available at: six-group.com/payments/standardization