How CAMT import works in Saldio
From bank export to posted payment: what CAMT.053 / .054 are, how Saldio reads them and where matching happens.
CAMT stands for Cash Management and is the ISO-20022 standard Swiss banks use to deliver account movements in XML format. Saldio reads two formats:
- CAMT.053 – the daily or monthly statement with opening and closing balance, all bookings and their details.
- CAMT.054 – the individual credit notifications, usually one XML per incoming payment.
Why CAMT instead of PDF or CSV?
CAMT carries structured data: reference number (QR reference or ISR/ESR), final amount, payer, value date, remittance information – all machine-readable. With that Saldio can automatically match which incoming payment belongs to which open invoice.
The flow in Saldio
- Upload the file – export CAMT.053 or .054 from your e-banking and drop it into the “Bank inbox” in Saldio.
- Validation – Saldio checks the XML signature and reads the balance.
- Matching – per booking the QR reference is matched against open invoices. On a unique match the invoice is automatically marked as paid.
- Manual clearing – bookings without a clear match (bulk payment, partial amount, foreign reference) land in a clearing list. With one click you can split them across invoices.
- Audit trail – every booking gets an immutable entry in the audit log with timestamp, user and source file.
What if my bank only delivers CSV?
Some smaller banks only ship CSV or MT940. Saldio plans MT940 support; until then you can fetch CAMT.053 through the standard “ISO 20022” export which is available at most Swiss cantonal banks and Raiffeisen branches.
More about the payment flow in Saldio is on the home page under “Already on board”.