Swissbilling allows merchants to offer their customers the convenience of paying by invoice without taking on the risk. Once a customer completes their purchase, Swissbilling handles the invoicing, credit checks, and collection process while paying the merchant upfront. This model ensures that businesses are paid quickly and securely, even when customers pay in instalments.

Swissbilling offers shoppers the flexibility to try before they pay and the option to spread payments over several months, making higher-value purchases more accessible.

Key features and benefits

• Invoice and instalment payments: Customers can pay their invoice fully or break it into manageable monthly payments.
• Upfront merchant payout: Swissbilling pays the merchant upon confirmation of the transaction, eliminating payment delays.
• Risk management: Handles credit checks, invoicing, and collections, protecting merchants from fraud and non-payment.
• Customer flexibility: Appeals to buyers who prefer paying after delivery or need short-term financing.
• Simple integration: Works with popular e-commerce platforms and Swiss payment gateways.
• Compliance and transparency: Fully compliant with Swiss financial regulations, offering clear terms for both merchants and consumers.

Conditions:
 

• Merchant fees: 1.5% to 3.5% per order
• Customer fees: CHF 1.50 to CHF 3.50 per invoice

Ideal for Swiss online retailers and service providers

Swissbilling is particularly suited to merchants selling high-value goods, recurring services, or health-related products. Businesses in fashion, electronics, wellness, and medical services can benefit from higher conversion rates and average order values by offering pay-by-invoice at checkout.

Customers appreciate the ability to receive goods before committing payment, creating a more relaxed and trustworthy shopping experience that aligns with Swiss consumer preferences.

Simple integration with Planet

Planet partners with Swissbilling to bring flexible invoice payment capabilities to Swiss merchants. Through Planet’s platform, businesses can quickly enable Swissbilling at checkout, with full support for credit assessment, payment processing, and compliance.

By integrating Swissbilling with Planet, merchants can deliver a trusted, customer-first payment experience while safeguarding their revenue and improving operational efficiency.