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eBill what is it? Using the example of Zak eBill

Payment transactions seem to be in a constant state of flux. The Red and Orange deposit slips are officially being replaced and QR Invoices are appearing more and more often. Then there are also PDF invoices and direct debit, so why should you now also eBill use?

If you already rely on eBill today, you are not only doing something good for the Environment and your Payment securitybut are even better positioned for the future. At least according to SIX, the service provider behind eBill.

In this article we will clarify the question "eBill what is it?" and you will learn how eBill increases the security of your payments. Furthermore, we will discuss how you can automate your finances using Zak eBill as an example.

Then, if you have any questions, feel free to ask them in the comments!

Table of contents

How does eBill work?

For this question, let's zoom out for a moment and look at an invoicing process from the outside.

When you receive a service, the service provider will probably want to bill you for it at some point. Let's say your health insurance company used to send you monthly payment slips. You received these by mail, checked them, and then paid them. A rather tedious, error-prone and costly process for all involved.

 

If you instead use e.g. the eBill function directly in the Zak app you enter your health insurance company once as eBill biller. If your health insurance company subsequently sends you an invoice, this will be processed via the SIX payment network. directly into your Zak account sent. There you can check the eBill invoice and pay it directly, or optionally set up automatic approval for future invoices.

 

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What are the eBill advantages?

With eBill, the process of invoicing becomes better in several aspects:

  • Extreme eBill Security: So far, there have been zero fraud cases with eBill, as invoices are transferred directly between verified billers and e-banking or banking app. Fraudsters cannot intercept and forge PDFs or mail.
  • Full control: Unlike direct debit, with eBill you decide if and when a payment should be executed. You have sovereignty over your account.
  • Overview: In Switzerland, more than 1 billion bills are paid every year (more per capita than anywhere else in the world). Thanks to eBill, you are guaranteed an overview of your invoices, also because they are stored for you for at least 180 days.
  • Error-free invoices: Entering amounts or even typing an account number was yesterday. With eBill, data is directly in your Zak app or your e-banking and thus error-free invoices are guaranteed.
  • eBill Sharing: Are you responsible for the finances in your household or do you help your grandma pay her bills? Thanks to eBill Sharing you can pay bills for others.
  • Environmentally friendly payments: Less paper and less digital bureaucracy (which also requires energy in the form of computing power) ensure greater environmental protection.
  • Speed: With eBill, invoices do not depend on mailing.

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Automate finances with eBill

Money and finance can be simple, that's what Schwiizerfranke. Since the use of eBill not only Overview of your bills, but also the Security increases, for us the use is not a question.

With your Zak account you can Savings pots set up and Automatic for different financial goals save. Thanks to the integration of Zak eBill, paying eBill invoices is also easy. You can check and pay your electronic invoices directly in Zak.

With a eBill permanent release you can give individual billers an automatic release including defaults.

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An example? Your health insurance charges you CHF 400 per month for regular contributions. With a permanent release you can set, for example, that:

  • a certain amount (e.g. CHF 400) may be automatically paid by a specific biller (e.g. health insurance company) each month.
  • Invoices up to a Upper limit (per month/quarter/semester/year) should be paid automatically by a specific biller (e.g. health insurance). Furthermore you can determine:
  • how long this release should last (e.g. until November, because you want to change your health insurance then).
  • when the invoice is to be settled (e.g. two days after receipt of salary).
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Frequently asked questions and answers

In contrast to the direct debit procedure, with eBill you retain control over payments. You can reject any payment and also schedule it. Even with a permanent release, you can directly enter the scope in which this should apply. With the direct debit procedure, you virtually give an unlimited release.

Yes, you can. To link multiple accounts with eBill, simply use the same email address as your other eBill account. This way you can open another Zak account, for example, and benefit from the savings pots.

PDF invoices are digital and therefore paperless, but not as secure and easy as eBill. PDF invoices can be forged and you have to manually transfer them to your e-banking or mobile banking app. Ebill invoices, on the other hand, land directly in the app, giving fraudsters less of a target.

QR bills are convenient because the data is entered directly into the e-banking/zak app, so you don't have to type in the amount or bank details. Comparing QR bill vs. eBill, the latter are more secure as they enter your banking without any detour. Furthermore, they are clearly listed for you on eBill.

Conclusion on: eBill what is it?

Although many billers are currently switching to QR invoices, a direct switch to eBill would probably make more sense, as you learned in the article. We have only had positive experiences with eBill so far and can highly recommend the service.

The more than 1 billion annual bills in Switzerland can be paid with eBill safer, simpler, more reliable and more sustainable.

Not all companies offer eBill yet, but the number is growing steadily. Over 2 million Swiss people already use eBill. You too?

Start now with eBill at Zak and the code CHFRAN to get CHF 50 starting credit.

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Transparency Note: This article was created in collaboration with Zak from Bank Cler. The content and presentation have nevertheless been freely and independently designed by Schwiizerfranke.

The information on Zak is intended exclusively for persons domiciled in Switzerland. A Zak account can only be opened with domicile in Switzerland.
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