Payments

You can enter and manage your payments in the payments area.

Enter domestic bank payment

Payments which are to be executed on the same day must be entered by noon at the latest. Payments entered later than this will be executed on the next working day.

Enter orange payment slip

Account transfer

Account transfers which are to be executed on the same day must be entered by 5:00 pm at the latest. Account transfers entered later than this will be executed on the next working day.

Enter foreign payments

If your payment is to be executed as a SEPA payment at the best possible conditions, then it must meet the following criteria:

  • Payment to be made in euro
  • Payment goes to a SEPA country
  • Recipient bank is a SEPA participant
  • The recipient’s IBAN (international bank account number) is provided
  • The recipient’s name and address is provided
  • The recipient bank’s BIC (bank identifier code) is provided
  • Payment to be executed without special instructions (e.g. express, fees instruction or set routing)

Enter standing orders

Debit and credit notices

The following options can be chosen for debit and credit notices.

Standard Dispatching according to the bank’s predefined settings
Collective notice without details Notice with the sum total of all payments
Collective notice with details Notice with a detailed listing of all payments
Individual notice Debit notice with details for each executed payment
None No debit notice will be sent

Depending on the dispatch mode, additional fees may be incurred.

Payment templates

Payment templates can no longer be saved. However, the e-banking application recognizes previously used creditors and suggests them when entering the payment.

Transaction signing

Transaction signing ensures that no payment will be executed to a new recipient without you first signing it by entering an SMS code. In this way you confirm your identification as the ordering party and that this payment may be executed. You receive the SMS code after the payment has been reviewed. Check whether the payment information in the SMS matches that in the e-banking application. If the payment is correct, then you can enter the signature.

Each payment recipient need only be signed once. For repeated payments to the same recipient you will not receive any further SMS codes.

If you receive an SMS for a payment that you have not entered, do not release the payment and report it immediately to the e-banking customer service.

The same telephone number is used to receive the SMS code as is used for the login. If you wish to change this, please contact our e-banking customer service.

Transaction signing applies for the following payment types:

  • All individual payments (domestic and foreign)
  • Standing orders
  • DTA files (one signature is required per file)
  • Editing/copying of existing payments/standing orders if the account number changes

Excluded from transaction signing are:

  • Account transfers
  • Payments entered via offline capturing software (CLX NetBanking, CLX PayMaker, etc.)
  • Larger Swiss billers (e.g. telecommunication companies, health insurance companies, mail-order businesses, etc.) are already saved in the system; the SMS code is not necessary

Manage payments

You can manage all entered payments and standing orders here.

Pending payments

Here you can find an overview of all entered but not yet processed payments. The payments can show the following statuses:

Ready to execute A payment with the status “ready to execute” can still be changed or deleted.
No coverage The account to be debited does not contain sufficient coverage. If a credit has meanwhile been received, the payment will be automatically executed on the next possible date despite the “no coverage” status.
Being processed The payment is currently being processed by the bank and can no longer be deleted or changed.
Cancelled The payment was definitively deleted and cannot be reactivated. If you would still like to execute the payment, then re-enter it.

Standing orders

You receive an overview of all entered standing orders and can change them here according to your preferences.

Processed payments

You receive an overview of all executed or rejected e-banking payments.

Notifications

You can subscribe to notifications by SMS or e-mail in case a payment is cancelled or cannot be executed.

Release payments

Payments which must be signed before they are executed or must be signed by another e-banking contract are listed here.

Pending signature

You can enter domestic payments in the mobile banking app. Payments to new recipients can be entered in the app, but must be signed once in the e-banking application (further information about this can be found under “Transaction signing”). These payments can be founding under the heading “Pending signatures”

Sign payment

If you do not have an individual signature in your e-banking contract, then the payments you enter must be signed by other contracts.

1 Signature pending:
The entering of the payment occurs with an e-banking contract that has a “Collective” authorization of the corresponding account to be debited. The payment must be released by another e-banking contract with collective or individual signature.

2 Signature pending:
The entering of the payment occurs with an e-banking contract that has an “Entry” authorization of the corresponding account to be debited. The payment must be released by two different contract holders with collective signature or by an individual contract holder with individual signature.

Kundendienst
e-Banking
Telefon
+41 (0)26 494 58 00

Montag – Freitag
08.00 – 12.00 Uhr
13.30 – 17.00 Uhr

Service clientèle
e-Banking
Téléphone
+41 (0)26 494 58 00

Lundi – Vendredi
08h00 – 12h00
13h30 – 17h00

Client service
e-Banking
Phone
+41 (0)26 494 58 00

Monday – Friday
08.00 a.m. – noon
01.30 p.m – 05.00 p.m.

Mail info@sks.clientis.ch

© 2017 – 2018