With payCOMweb you can securely, rapidly and efficiently transmit data around the clock, seven days a week.
Advantages of payCOMweb
- Fast and modern:
Transfers in DTA format and direct debits are processed over the Internet. The ordering party can call up a processing confirmation (validation result).
- Efficient:
Files with up to one million transactions can be transmitted smoothly with payCOMweb. Packaged as a ZIP file, up to 10 files can be sent with transfer or direct debit orders.
- Secure:
payCOMweb provides for the latest security standards (electronic certificate on a smart card, password, and 128-bit encryption).
- Rational:
Continuous automatic processing is possible with payCOMweb. With electronic order approval the postal dispatch of credit and debit orders becomes superfluous.
How does payCOMweb work?
Transfers in DTA format and direct debits are generated using suitable standard recording software and are saved locally.
The ordering party logs in with his/her smart card into the payCOMweb application and transmits the locally saved files though the Web browser with SSL encryption. He/she then receives an electronic confirmation of receipt.
payCOMweb offers the option of electronic approval by the ordering party. Alternatively, the approval can also be made by the ordering party’s house bank, if the ordering party has sent the credit or debit order on paper.
The payment approval is made upon verification of the payment data. The ordering party can call up, save and print out the processing confirmation at any time.
The creditor’s financial institution of account, i.e. the ordering party, as well as that of the debtor will be notified about the incoming payment, whereby the debtor banks checks whether the requirements (e.g. authorization, credit-worthiness) are sufficient to execute the payment.
If the payments are approved by the respective financial institution, payCOMweb then processes the order and carries out the corresponding credits and/or debits upon the customers’ accounts through the financial institutions.
Secure access with certificate
The Telekurs PayNet’s payCOMweb application is accessed with the appropriate system requirements via a Web browser and is secured by means of an electronic certificate (X.509v3) with a 1024-bit private key on a password-protected smart card (PIN). Swiss Interbank Clearing provides certification services in assignment by its affiliate company, Telekurs PayNet. The legally-signed registration form form is used both the registration for participation in payCOMweb as well as for the ordering of the hardware and software needed to use it.
Alternatives to payCOMweb
- Submission of payments via the house bank:
A number of Swiss banks offer an alternative to payCOMweb with their own submission channels, with which their customers can submit their transactions directly to their house bank.
Please contact your house bank for more information.
- Submission through other file transfer services:
Electronic approval through payCOMweb is both possible here, and is recommended.
Professional support
payCOMweb is simple and user-friendly. If you need help, then our Technical Support team is available from Monday to Friday, from 8:00 am - 12:00 pm and 2:00 pm - 5:00 pm: contact us using the online form or per phone at the toll-line: 0900 576 520 (CHF 3/min., plus VAT).
Certification Guidelines