SwissBilling

Country: Switzerland (CH) | Payment Rail: bank_clearing

BNPL Market Adoption: 5%

SwissBilling is a prominent Swiss invoice financing and BNPL solution by CRIF, featuring guaranteed purchase-on-invoice and installment plans widely used for domestic Swiss e-commerce and ticketing.

🔄 User Payment Flow

User selects SwissBilling / Invoice Payment at checkout
User confirms delivery address and phone number for instant credit scoring
Order is confirmed immediately with zero upfront payment
User receives SwissBilling invoice by email or postal mail with 30-day payment term

⚙️ Characteristics & Settlement

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

🛠️ Merchant Integration Steps

Merchant initiates authorization request via SwissBilling E-Commerce API
SwissBilling runs algorithmic fraud and credit assessment in milliseconds
Upon confirmation, SwissBilling takes full default risk and guarantees merchant payout
Merchant ships goods to buyer immediately