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Bank and payments

Bank, TWINT, cards and online shop. All in the same journal.

Import and reconcile bank statements in ISO 20022 format, and post payment provider settlements with their fees via a clearing account. Foreign currencies are converted at the official rates.

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In detail

camt.053 and camt.054

Import statements from the e-banking of any Swiss bank. Match payments against open receipts and invoices.

TWINT, Worldline, SumUp, Uber

Upload the settlement as a CSV: sales, fees and payout are each posted separately through a clearing account.

Stripe, SumUp, Wallee · PRO

Connected via the API with a read-only key. Each payout is posted exactly once, however often you sync.

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Reconciling a camt.053 bank statement: balances, missing entries and suggestionsEnlarge ↗

How it works

Reconcile a bank statement in two minutes

Upload the camt.053 statement from your e-banking and choose the bank account. Buchsnap compares the balances, looks for each payment in the books and suggests an entry for any that are missing.

  1. 1UploadDrag and drop a camt.053 or camt.054 file from your e-banking.
  2. 2Compare balancesThe statement’s opening and closing balances, side by side with the balance in Buchsnap.
  3. 3Post what’s missingPost bank charges and familiar contra accounts straight from the suggestion.
  4. 4Settle invoicesPayments with a QR reference mark the matching invoice as paid.

Foreign currencies without spreadsheets

Buchsnap fetches the official daily and monthly average rates published by the Federal Office for Customs and Border Security (FOCBS/BAZG), which also apply for VAT, and converts to Swiss francs when posting. You can always see which rate was used.

  • Official FOCBS exchange rates
  • No duplicate entries if you import the same file again
  • A clearing account for each payment provider

FAQ

Frequently asked questions

Which banks are supported?

Any Swiss bank that provides statements as camt.053 or camt.054. That’s practically all of them, including PostFinance, UBS, Raiffeisen and the cantonal banks.

Is there a direct bank connection?

No. You download the statement from your e-banking and import it. That way, Buchsnap never needs access to your bank account.

How are TWINT fees posted?

Each settlement produces three entries: sales to the clearing account, the fee as an expense and the payout to the bank. The clearing account then comes back to zero.

Will a payment be posted twice if I upload the same file twice?

No. Every payout has a unique ID and is only ever posted once.

Do I need a particular plan for Stripe?

The Stripe, SumUp and Wallee integrations are part of the PRO plan. CSV settlements work on every plan.

Try it out with one of your clients.

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