eBill Direct Debit: The Digital Direct Debit Procedure

eBill Direct Debit is a new eBill offering developed independently by SIX, which was launched on the market on its own initiative in summer 2025. This function is only available to users who are registered with an eBill financial institution that has implemented this function. If you do not belong to such a financial institution, you will not have access to this function.

Benefits of eBill Direct Debit

eBill Direct Debit is the modern, digital direct debit procedure, from which financial institutions, invoicing parties, and private individuals all benefit. In this way, receivables can be submitted, processed, and debited in eBill. It is based on a digital direct debit authorization that has previously been set up in eBill.

Invoice recipients benefit from full payment automation.
With eBill Direct Debit, today’s paper-based setup processes are replaced by efficient and convenient digital processes, thus simplifying the life of the invoice recipient.
The digital eBill portal provides the invoice recipient with significantly greater transparency regarding established direct debit authorizations and processed direct debits.
Increased security for the invoice recipient thanks to integrated reversal options with guaranteed repayment.

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Proven Infrastructure

eBill Direct Debit is based on the proven eBill processes and payment transaction standards, which makes it much easier to implement.

Efficient Payment Process

Transactions can be processed directly from account to account and supplemented to include additional information such as invoice documents.

Harmonization

Invoice payment channels are increasingly converging on the eBill platform. This leads to further economies of scale.

Manageable Investments

eBill Direct Debit builds on the existing and proven eBill infrastructure. Many functionalities, interfaces and mechanisms are reused. This enables eBill Direct Debit to be implemented with a manageable investment.

What You Can Do with eBill Direct Debit

eBill Direct Debit is the only payment method that supports all the functionalities of typical account-based direct debit procedures and also enables a digital registration process and direct account-to-account payment via SIC (Swiss Interbank Clearing):

Reduction of the currently paper-based and thus time-intensive onboarding processes.
Real-time status queries on digital direct debit mandates and received direct debits.
Transmission of the invoice document along with the information about the direct debit.
Thanks to the extension of the eBill platform with debit-based functions, the invoicing parties can focus on this connection.
With eBill Direct Debit, invoicing parties can continue to offer their clients an account-based direct debit solution even after the discontinuation of LSV+ and BDD.
eBill Direct Debit offers the invoicing party a cost-effective option for recurring payments compared to other possible payment processes.
eBill Direct Debit has the potential to easily integrate further future use cases (e.g. related to Request-to-Pay).

eBill Web for Direct Debit

eBill Web is an online tool that invoice issuers can use to submit eBill Direct Debit business cases directly to the eBill infrastructure. It is comparable to the current LSV+/BDD delivery interface, payCOM^web.

eBill Web offers specific functions for eBill Direct Debit, including inviting invoice recipients, uploading requests, tracking status and events, and managing eBill Web user accounts. eBill Web exclusively supports eBill Direct Debit functions. Invoices, reminders, credits, notifications, and donation requests cannot be processed via eBill Web.

eBill Web’s Main Functions from an Invoice Issuer Perspective:

Triggering of eBill Direct Debit authorization proposals
Submission of eBill Direct Debit requests
Real-time status checks (“Look-Up” function and payment status info)
Integrated admin tool

To be able to use eBill Web, the invoice issuer must have a contractual agreement with a financial institution. Those invoice issuers interested in eBill Web are therefore advised to contact their financial institution (a list of financial institutions that support eBill Direct Debit can be found below).