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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!
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.
With eBill, the process of invoicing becomes better in several aspects:
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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.
An example? Your health insurance charges you CHF 400 per month for regular contributions. With a permanent release you can set, for example, that:
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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.
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.
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.