{"id":6958,"date":"2026-10-27T09:30:00","date_gmt":"2026-10-27T08:30:00","guid":{"rendered":"https:\/\/www.1pay.ch\/?p=6958"},"modified":"2026-11-03T17:27:26","modified_gmt":"2026-11-03T16:27:26","slug":"instalment-payments-online-shop-switzerland","status":"publish","type":"post","link":"https:\/\/www.1pay.ch\/en\/instalment-payments-online-shop-switzerland\/","title":{"rendered":"Instalments in your online shop: when they pay off and how to offer them in Switzerland"},"content":{"rendered":"<p style=\"font-size:1.15rem;line-height:1.65;color:#2A2F33;margin:0 0 1.4em\">The customer put a CHF 2&#8217;400.- e-bike in the basket and then closed the page. Not because they didn&#8217;t want it, but because paying it all at once at the end of the month felt heavy. With instalments or deferred payment, that sale could have closed the same evening.<\/p>\n<h2 style=\"font-size:clamp(1.4rem,4vw,1.9rem);line-height:1.25;margin:1.6em 0 .6em;color:#1D3D78\">Two different options<\/h2>\n<p>&#8220;Paying in instalments&#8221; online means two different things, and it is worth telling them apart.<\/p>\n<ul>\n<li style=\"margin-bottom:.4em\"><strong>Deferred payment<\/strong>: the customer receives the goods and pays the full amount later, usually after 30 days. It is the old-fashioned invoice, in digital form.<\/li>\n<li style=\"margin-bottom:.4em\"><strong>Instalment payment<\/strong>: the amount is split into a few instalments.<\/li>\n<\/ul>\n<p>In both cases, if you go through a specialist provider, <strong>you receive the full amount straight away<\/strong>. The risk of the customer not paying stays with the provider, not with you.<\/p>\n<h2 style=\"font-size:clamp(1.4rem,4vw,1.9rem);line-height:1.25;margin:1.6em 0 .6em;color:#1D3D78\">What you get with 1pay.ch<\/h2>\n<p>With your 1pay.ch account you already have two methods of this kind, on every plan and with no extra contracts:<\/p>\n<ul>\n<li style=\"margin-bottom:.4em\"><strong>Klarna<\/strong>: the customer pays after 30 days or in 3 instalments. You receive the full amount straight away.<\/li>\n<li style=\"margin-bottom:.4em\"><strong>TWINT &#8220;pay later&#8221;<\/strong> (BNPL, Buy Now Pay Later): the customer pays with TWINT as usual and settles after 30 days.<\/li>\n<\/ul>\n<p>You switch them on alongside TWINT, cards, PostFinance Pay and wallets, in the same checkout of your <a href=\"https:\/\/www.1pay.ch\/en\/features\/e-commerce-integration\/\">online shop<\/a>.<\/p>\n<p style=\"font-weight:600;color:#1D3D78;margin:1.4em 0 .2em\">Fees per transaction (1pay.ch price list, October 2026)<\/p>\n<div style=\"overflow-x:auto\">\n<table style=\"width:100%;border-collapse:collapse;margin:.4em 0 1.4em;font-size:.95rem\">\n<thead>\n<tr>\n<th style=\"border-bottom:2px solid #E3E8EC;padding:10px 8px;text-align:left;color:#1D3D78;vertical-align:bottom\">Method<\/th>\n<th style=\"border-bottom:2px solid #E3E8EC;padding:10px 8px;text-align:left;color:#1D3D78;vertical-align:bottom\">Starter<\/th>\n<th style=\"border-bottom:2px solid #E3E8EC;padding:10px 8px;text-align:left;color:#1D3D78;vertical-align:bottom\">Small<\/th>\n<th style=\"border-bottom:2px solid #E3E8EC;padding:10px 8px;text-align:left;color:#1D3D78;vertical-align:bottom\">Medium<\/th>\n<th style=\"border-bottom:2px solid #E3E8EC;padding:10px 8px;text-align:left;color:#1D3D78;vertical-align:bottom\">Large<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Klarna<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">3.2% + 0.30<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">2.8% + 0.30<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">2.5% + 0.30<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">2.2% + 0.30<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">TWINT pay later<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">3.9% + 0.30<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">3.5% + 0.30<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">3.2% + 0.25<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">2.9% + 0.20<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">TWINT and cards, for comparison<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">2.9% + 0.30<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">2.5% + 0.30<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">2.2% + 0.25<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">1.9% + 0.20<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 style=\"font-size:clamp(1.4rem,4vw,1.9rem);line-height:1.25;margin:1.6em 0 .6em;color:#1D3D78\">What it really costs on top<\/h2>\n<p>Deferred payment costs a little more than a card. Let&#8217;s do the maths on a CHF 600.- order on the Starter plan:<\/p>\n<ul>\n<li style=\"margin-bottom:.4em\">with TWINT or card: CHF 17.70 in fees;<\/li>\n<li style=\"margin-bottom:.4em\">with Klarna: CHF 19.50;<\/li>\n<li style=\"margin-bottom:.4em\">with TWINT pay later: CHF 23.70.<\/li>\n<\/ul>\n<p>The difference is between CHF 1.80 and CHF 6.-. If instalments help you close just one more sale in twenty, they have already paid for themselves.<\/p>\n<div style=\"background:#EEF6F5;border-radius:14px;padding:18px 22px;margin:1.4em 0\">\n<p style=\"font-weight:700;color:#1D3D78;margin:0 0 .3em\">Where instalments make the difference<\/p>\n<p style=\"margin:0\">On a CHF 40.- basket almost nobody chooses to pay in instalments. On a bike, a sofa, a CHF 1&#8217;200.- course or a big present in December, they do. Look at your average order value before deciding.<\/p>\n<\/div>\n<h2 style=\"font-size:clamp(1.4rem,4vw,1.9rem);line-height:1.25;margin:1.6em 0 .6em;color:#1D3D78\">The Swiss rules to know<\/h2>\n<p>You don&#8217;t need to become a lawyer, but three points must be respected.<\/p>\n<p><strong>1. No do-it-yourself interest.<\/strong> Since 1 January 2026 the maximum interest rate for consumer credit has fallen to 10% (12% for overdrafts), as <a href=\"https:\/\/www.ebg.admin.ch\/de\/newnsb\/DDMAgqQLfpn8NHgjWIIrt\" target=\"_blank\" rel=\"noopener\">announced by the Confederation<\/a>. If you want to offer interest-bearing instalments managed by you, you risk falling under the Consumer Credit Act. Much better to leave the credit to a provider like Klarna.<\/p>\n<p><strong>2. Clear prices.<\/strong> The Price Disclosure Ordinance also applies online: the customer must see the total price. If a payment method carries a surcharge, it must be shown before the order, and at least one usual method without a surcharge must remain. The <a href=\"https:\/\/www.seco.admin.ch\/dam\/de\/sd-web\/6SGen1K7YQ7J\/PBV-Brosch%C3%BCren-Onlinehandel-mit-Waren-SECO-DE.pdf\" target=\"_blank\" rel=\"noopener\">SECO guide to online retail<\/a> (in German) explains it.<\/p>\n<p><strong>3. No pressure.<\/strong> &#8220;Buy now, pay later&#8221; also has a downside: people who pile up small purchases risk getting into debt. A responsible shop presents instalments as a convenience, not as a push towards impulse buying.<\/p>\n<h2 style=\"font-size:clamp(1.4rem,4vw,1.9rem);line-height:1.25;margin:1.6em 0 .6em;color:#1D3D78\">Instalments you manage yourself, interest-free<\/h2>\n<p>For courses, coaching, services and fees there is another way: you split the price into two or three payments yourself, with no interest.<\/p>\n<ul>\n<li style=\"margin-bottom:.4em\"><strong>Several payment links<\/strong>: one link for the deposit on registration, one for the balance halfway through the course.<\/li>\n<li style=\"margin-bottom:.4em\"><strong>Subscription<\/strong>: with the 1pay.ch shop pages you can sell a service with a recurring payment, for example a course paid in 3 monthly instalments.<\/li>\n<\/ul>\n<p>In this case the risk of non-payment is yours, but you know the customer and can pause the service if an instalment is missed.<\/p>\n<h2 style=\"font-size:clamp(1.4rem,4vw,1.9rem);line-height:1.25;margin:1.6em 0 .6em;color:#1D3D78\">How to get started in an afternoon<\/h2>\n<ol>\n<li style=\"margin-bottom:.4em\">Check your shop&#8217;s average order value and your products over CHF 300.-.<\/li>\n<li style=\"margin-bottom:.4em\">Switch on Klarna and TWINT pay later in the dashboard, alongside the methods you already have.<\/li>\n<li style=\"margin-bottom:.4em\">Add a line next to the price: &#8220;Pay in 3 instalments with Klarna or after 30 days&#8221;.<\/li>\n<li style=\"margin-bottom:.4em\">Always keep at least one method without a surcharge active, such as TWINT or card.<\/li>\n<li style=\"margin-bottom:.4em\">After a month, look at the numbers: abandoned baskets, average order value, methods chosen.<\/li>\n<\/ol>\n<div style=\"background:#EAF1FB;border-radius:14px;padding:20px 22px;margin:1.6em 0\">\n<p style=\"font-weight:700;color:#1D3D78;margin:0 0 .3em\">Want an opinion on your checkout?<\/p>\n<p style=\"margin:0\">Call or message us: we will look at your payment methods and products together and tell you whether instalments are right for you.<\/p>\n<p style=\"margin:.6em 0 0\"><strong>Phone<\/strong> <a href=\"tel:+41918574737\">+41 91 857 47 37<\/a> \u00b7 <strong>WhatsApp<\/strong> <a href=\"https:\/\/wa.me\/41798574737\" target=\"_blank\" rel=\"noopener\">+41 79 857 47 37<\/a> \u00b7 <a href=\"mailto:info@1pay.ch\">info@1pay.ch<\/a><\/p>\n<\/div>\n<div style=\"background:#1D3D78;color:#fff;border-radius:16px;padding:26px 24px;margin:2em 0\">\n<p style=\"color:#fff;font-size:1.3rem;font-weight:700;margin:0 0 .4em\">Offer instalments with no extra contracts<\/p>\n<p style=\"color:#E8EEF7;margin:0 0 1em\">Sign up free: Klarna and TWINT pay later are already included on every plan, together with TWINT, cards and PostFinance Pay.<\/p>\n<p><a href=\"https:\/\/signup.1pay.ch\/en\/?product=Starter-all\" style=\"display:inline-block;background:#fff;color:#1D3D78;font-weight:700;border-radius:12px;padding:12px 20px;text-decoration:none\">Start free<\/a><\/div>\n<div style=\"background:#EEF6F5;border-radius:14px;padding:18px 22px;margin:1.4em 0\">\n<p style=\"font-weight:700;color:#1D3D78;margin:0 0 .3em\">You might also like<\/p>\n<ul style=\"margin:0;padding-left:1.2em\">\n<li style=\"margin-bottom:.4em\"><a href=\"https:\/\/www.1pay.ch\/en\/black-friday-christmas-checkout\/\">Black Friday and Christmas: how to prepare your online shop&#x27;s checkout<\/a><\/li>\n<li style=\"margin-bottom:.4em\"><a href=\"https:\/\/www.1pay.ch\/en\/which-payment-methods-does-an-sme-need\/\">Which payment methods does a Swiss SME really need?<\/a><\/li>\n<li style=\"margin-bottom:.4em\"><a href=\"https:\/\/www.1pay.ch\/en\/selling-online-made-simple\/\">Selling online made simple: from your first product to your first payment<\/a><\/li>\n<\/ul>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Klarna and TWINT &#8220;pay later&#8221; pay you the full amount straight away, while the customer pays later or in instalments. When to switch them on, what they cost and which Swiss rules apply.<\/p>\n","protected":false},"author":1,"featured_media":6957,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[143],"tags":[],"class_list":["post-6958","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/posts\/6958","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/comments?post=6958"}],"version-history":[{"count":1,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/posts\/6958\/revisions"}],"predecessor-version":[{"id":7005,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/posts\/6958\/revisions\/7005"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/media\/6957"}],"wp:attachment":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/media?parent=6958"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/categories?post=6958"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/tags?post=6958"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}