CembraPay

Country: Switzerland (CH) | Payment Rail: bank_clearing

BNPL Market Adoption: 8%

CembraPay is a leading Swiss Buy Now Pay Later (BNPL) and purchase-on-invoice platform, featuring flexible monthly installments and open invoice checkout widely used for high-ticket e-commerce and retail.

🔄 User Payment Flow

User selects CembraPay / Purchase on Invoice (Rechnungskauf) at checkout
User enters address and date of birth for instant automated credit scoring
User receives instant approval and chooses 30-day invoice or split installments
Order is finalized immediately without paying upfront

⚙️ Characteristics & Settlement

Instant Payment	YES
Supports QR	NO
Supports Recurring	YES
Supports Refund	YES

🛠️ Merchant Integration Steps

Merchant checkout submits buyer data to CembraPay API for real-time risk check
CembraPay approves order and guarantees 100% payout to merchant
Merchant fulfills shipment immediately with zero credit default risk
CembraPay collects invoice payments directly from customer