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Pay&Flow

Corporate customers automate secure data exchange and payment transactions with financial institutions using Pay&Flow. The secure data flow from and to the financial institutions takes place as if by itself, at a pleasingly low price!

Processes are closely monitored, the data flow is tracked in detail, resulting in a decisive security advantage and transparency for every Pay&Flow user. The end-to-end secured data flows are manipulation resistant. This means that automated data flows are not a security risk.

Why Pay&Flow

Corporate customers automate secure data exchange and payment transactions with financial institutions using Pay&Flow.
Team

A team of experts with years of experience and maximum quality standards stands behind their product, which was created without compromising on the selection of functionalities: The focus is on the greatest possible degree of automation.

EBICS

To ensure that the security of sensitive data is not at risk despite the exceptionally high degree of automation, Pay&Flow relies on the strong integration of EBICS security concepts combined with two-factor authentication.

Processes

Processes are closely monitored, the data flow is tracked in detail, resulting in a decisive security advantage and transparency for every Pay&Flow user. The end-to-end secured data flows are manipulation resistant. This means that automated data flows are not a security risk

Automate the banking tasks

  • The end-to-end data flow (from your application / ERP solution to the bank and back) is automated.
  • The status of payments and payment orders is automatically updated and is therefore always up to date without any effort.
  • Notification according to various criteria (for example, an alarm system for incorrect payment orders) is supported.
  • Pay&Flow speaks the ISO20022 standard. This makes automatic data exchange with third-party applications/ERP simple and easy.
  • Pay&Flow is multitenant.

Safety as the most important factor

  • Maximum security through two-factor authentication (2FA) for 'critical' actions such as login, approvals and electronic signatures.
  • Verification of signatures for each import of payment files.
  • Validation of data and verification of signatures when sending payment files.
  • API for generating EBICS-compliant signatures to protect data from creation by your application / ERP up to and with the bank's EBICS server.
  • Through Pay&Flow you use your own Multi Bank EBICS VEU/EDS portal.
  • The use of this EBICS-compliant security enhanced with 2FA also for non-EBICS institutions.
  • Fort Knox Option: The use of a "Hardware Security Module (HSM)" for your private EBICS signature keys is supported.
  • The presentation is done via Web Client, MS SQL Server (MS SQL Server Express is supported) and IIS (MS Internet Information Server).

Multi Banking naturally and Internationally

  • Manage and use EBICS contracts from your financial institutions.
  • Use the multi-bank services of your financial institutions.
  • Account aggregation and payment transactions across all your bank accounts - worldwide.
  • Data from known standard formats (e.g. swiss payment transactions with ISO20022) can be further evaluated.
  • Exchange of any data / data formats is supported. (Formats can, but do not have to be known to Pay&Flow).
  • Automatic conversion of data or splitting of files.
  • Existing interfaces to communication tools (e.g. to use proprietary protocols) are supported.
  • High performance, e.g. through simultaneous execution of various tasks such as communication / data transfer, data import.
  • Self-Administration.
  • On request, data / master data can be transferred from third-party applications.

Prices

Pay&Flow Professional

Up to 10 Users

Professional
Standard Support
CHF185
per month plus VAT
Use of Pay&Flow with the selected maximum number of users.
Support (telephone or remote) is not included in the price and will be charged separately in case of use.
(Support fee: CHF 240.- / h plus VAT, fractional hours will be charged in full).

Up to 20 Users

Professional
Standard Support
CHF287
per month plus VAT
Use of Pay&Flow with the selected maximum number of users.
Support (telephone or remote) is not included in the price and will be charged separately in case of use.
(Support fee: CHF 240.- / h plus VAT, fractional hours will be charged in full).

from 21 Users

Professional
Standard Support
CHF346
per month plus VAT
Use of Pay&Flow with the selected maximum number of users.
Support (telephone or remote) is not included in the price and will be charged separately in case of use.
(Support fee: CHF 240.- / h plus VAT, fractional hours will be charged in full).

Up to 10 User

Professional
Premium Support
CHF393
per month plus VAT
Use of Pay&Flow with the selected maximum number of users including telephone, e-mail or remote support (TeamViewer). On-site support is subject to a charge (CHF 240.- / h plus expenses plus VAT; fractions of hours are charged in full).

Up to 20 User

Professional
Premium Support
CHF579
per month plus VAT
Use of Pay&Flow with the selected maximum number of users including telephone, e-mail or remote support (TeamViewer). On-site support is subject to a charge (CHF 240.- / h plus expenses plus VAT; fractions of hours are charged in full).

from 21 User

Professional
Premium Support
CHF804
per month plus VAT
Use of Pay&Flow with the selected maximum number of users including telephone, e-mail or remote support (TeamViewer). On-site support is subject to a charge (CHF 240.- / h plus expenses plus VAT; fractions of hours are charged in full).

Q&A

The difference between Pay&Flow Basis and Pay&Flow Standard is only the way the support is charged? - Correct. The product itself and the functions are identical.

Updates are included in the rental price as soon as they are available? - Correct. If the customer requires support with the installation of updates, costs may be incurred.

Which communication protocols are supported? Only EBICS? - EBICS is supported.