Payments Committee Switzerland (PaCoS)

The committee is responsible for consulting and supporting financial institutions and SIX Interbank Clearing regarding product and market design and for communication. It also deals with the coordination and interest representation in national and international committees.


  • Peter Ruoss (Chair)
    UBS Switzerland AG
  • Urs Reiser (Vice-Chair)
    Cantonal Bank of Zurich (for the Union of Swiss Cantonal Banks)
  • Christoph Bauer
    Migrosbank (for the individual financial institutions)
  • Boris Brunner
    SIX Interbank Clearing AG
  • Nicolas Cramer
    UBS Switzerland AG
  • Erika Dingler
    SIX Interbank Clearing Ltd (Secretary)
  • Rudolf Fischli
    Swiss National Bank
  • Thomas Hadorn
    PostFinance Ltd
  • Stefan Karlen
    PostFinance Ltd
  • Nik Notka
    Entris Banking Ltd (for the RBA banks)
  • Thomas Reske
    SIX Interbank Clearing Ltd
  • Elmar Schnarwiler
    Credit Suisse Group AG
  • Ernst Weber
    Arizon AG (for the Raiffeisen banks)


The working group deals with all issues related to realization of the SEPA Direct Debit Scheme Rulebook for the Swiss financial center.


The working group elaborates on the consequences of the SEPA Credit Transfer Scheme Rulebook realization for the Swiss financial center.

WG Legal

The working group examines the legal conditions and obligations that may influence the Swiss financial center through its SEPA participation.

WG 20022 Payments CH

The working group establishes recommendations for the usage of ISO 20022 payments messages for the Swiss financial center.

WG Migration PT CH

The working group lays the foundations for a harmonization of the Swiss payment traffic (ISO 20022).

WG Communication Migration PT CH

This working group ensures that all communication needs of the program and the projects listed, and their stakeholders, are designed, coordinated and implemented.

WG Payment Slips

The working group is developing the basics for a new uniform payment slip for the Swiss financial center.


The working group deals with the consistent use of the communication standard EBICS in the Swiss financial center.

WG e-Commerce Payments

The working group ensures that current developments (product innovation, competition, market rights, etc.) are identified in European and global payments with regard to any impact on the Swiss financial center.