Support Swiss Payment Standards

[tobischo]

Switzerland uses pain.001 and pain.008 Formats that are derived from the official SEPA standard. These formats are defined by the SIX Group (https://www.six-group.com/interbank-clearing/de/home/standardization/iso-payments/customer-bank/implementation-guidelines.html).

While Swiss Payment Standards (SPS) are very similar to SEPA, they technically aren't part of it. In order to support it regardless, the following formats would have to be supported:

• pain.008.001.02.ch.03 (Implementation Guidline (pdf), Schema and examples (zip))
• pain.001.001.03.ch.02 (Implementation Guidline (pdf), Schema and examples (zip))

Would you be willing to accept a PR that adds support for it? (even though it is technically not SEPA)

[ledermann]

Yes, a PR would be fine.

[tobischo]

Great :-) I will try to get a PR ready soon

[tobischo]

I have looked into this some more and I came across the following: There are a number of differences, especially for debits:

Credit Transfers [1]:

• can be used almost identical, the difference is mostly the XML namespace

Direct Debits [2] for LSV+:

• Uses Clearing System Member ID instead of BIC [2] p.22
  • Can be automatically determined from IBANs from Switzerland or Liechtenstein
• If ISR Debits are used, you need to provide the ISR Participant Number [2] p.23
• It uses structured remittance information to pass along ISR or IPI reference numbers
• It does NOT use mandate_id and mandate_date_of_signature
• service_level is either CHDD or CHTA
• local_instrument depends on service level and is DDCOR1, DDB2B, LSV+ and BDD
• sequence_type is not used
• batch_booking is not used

That seems like quite a lot of differences, although some being rather minor. My current approach is to add swiss direct debits into the existing SEPA::DirectDebit class

I am not entirely sure whether this is the best approach though. Alternative I could think of

1. create a separate class for swiss direct debits within the SEPA namespace
2. create a separate class for swiss direct debits in a new namespace (e.g. SPS)
3. create an entirely separate gem which is similar to sepa_king (e.g. sps_king, maintained by Barzahlen)

What do you think?

[1] https://www.six-group.com/interbank-clearing/dam/downloads/de/standardization/iso/swiss-recommendations/implementation-guidelines-ct.pdf [2] https://www.six-group.com/interbank-clearing/dam/downloads/de/standardization/iso/swiss-recommendations/implementation-guidelines-swiss-dd.pdf

[tobischo]

Closed as per discussion on #82

We will create a separate gem that handles this which will probably look very similar to sepa_king.