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Not everyone wants to pay immediately. With 1pay.ch there are two ways to let people pay later: Klarna and purchase on invoice. On top of that there is TWINT «pay later».
Klarna #
The customer chooses whether to pay now, later or in instalments. You receive the full amount as with a normal payment: Klarna bears the risk of late payment. It is available in all 1pay.ch plans.
- You activate it with the Pay Plus provider under Payment providers.
- It supports one-off payments and refunds, including partial ones. No subscriptions, pre-authorisations or tokenisation.
- Not available for non-profit organisations, political parties and initiatives, business-to-business sales (B2B) and generally excluded activities. For associations, TWINT «pay later» is the right solution.
Purchase on invoice #
The customer chooses «Invoice» and receives a PDF invoice by e-mail with a Swiss QR-bill. They pay in e-banking whenever they like, within the deadline.
- You activate it with the Pay provider.
- The payment stays in Pending status until it is paid. Credits are checked every morning: once the transfer is matched, the status changes to Confirmed.
- The invoice shows 1pay.ch’s details, not yours: the transfer goes through us and reaches you with the normal payout.
- You can set up automatic reminders.
- There is no credit check or debt collection: if the customer does not pay, the risk stays with you.
- It accepts one-off payments only and cannot be refunded from the admin area.
When to use it: with customers you know, businesses or members. For online sales to strangers, Klarna or TWINT «pay later» protect you better.
