Buy Now Pay Later
Buy Now Pay Later (BNPL) refers to modern forms of purchasing on account, where the customer receives their order immediately but payment is made later or in installments.
Buy Now Pay Later Solutions
Buy Now Pay Later (BNPL) refers to modern forms of purchasing on account, where the customer receives their order immediately but payment is made later or in installments.
These solutions provide customers with great flexibility and financial freedom. On the other hand, merchants benefit from higher conversion rates and larger order volumes.
Available Buy Now Pay Later solutions in zahls.ch
zahls.ch supports the following Buy Now Pay Later solutions:
| Payment solution | Availability | Activation |
|---|---|---|
| Purchase on Invoice | 🇨🇭 Switzerland | within Payrexx Pay |
| Klarna | same as Payrexx Pay Plus | within Payrexx Pay Plus |
| CembraPay | 🇨🇭 Switzerland, 🇱🇮 Liechtenstein | as an external payment provider |
| POWERPAY | 🇨🇭 Switzerland, 🇱🇮 Liechtenstein | as an external payment provider |
| Ideal Payment | 🇨🇭 Switzerland | as an external payment provider |
| HeyLight | 🇨🇭 Switzerland | as an external payment provider |
| Bill (manual) | worldwide | as a manual payment method |
Purchase on Invoice
The payment method Purchase on Invoice can be activated and configured within Payrexx Pay with just a few clicks. Automatic invoices with a Swiss QR code can be sent to customers via email. Upon payment, the payment status is automatically updated in the merchant administration.
Requirements
- Merchant registered in 🇨🇭 Switzerland
- Verified account with zahls.ch
- Payrexx Pay payment provider activated
Features
- ✅ One-time payment
- ❌ Installment payment
- ❌ Refund/Partial refund
- ✅ Recurring payments (Subscription)
- ❌ Credit check at checkout
- ❌ Payout even in case of debtor loss
Klarna
The payment method Klarna can be activated within Payrexx Pay Plus with a single click. In addition to immediate payment, depending on the country, customers have the option to choose from various Buy Now Pay Later options such as "Pay Later", "Installments", or "Financing".
Requirements
- Merchant registered in one of the following countries: 🇨🇭 Switzerland, 🇱🇮 Liechtenstein, 🇩🇪 Germany, 🇦🇹 Austria, 🇮🇹 Italy, 🇫🇷 France, 🇩🇰 Denmark, 🇱🇺 Luxembourg, 🇧🇬 Bulgaria
- Verified account with zahls.ch
- Payrexx Pay Plus payment provider activated
Features
- ✅ One-time payment
- (✅) Installment payment *
- ✅ Refund/Partial refund
- ❌ Recurring payments (Subscription)
- ✅ Credit check at checkout
- ✅ Payout even in case of debtor loss
* Availability depending on the country
CembraPay
With CembraPay, merchants can offer their customers the option to purchase on invoice or via installment payments. Credit checks, receivables management, and the risk of payment defaults are all handled by CembraPay. This payment solution can be integrated into zahls.ch as an external payment provider.
Requirements
To use CembraPay, the following requirements, among others, must be met:
- Company headquarters located in 🇨🇭 Switzerland or 🇱🇮 Liechtenstein, including a commercial register excerpt
- Annual transaction volume of at least CHF 75,000.00 through invoices, or at least 800 transactions per year
Features
- ✅ One-time payment
- ✅ Installment payment
- ✅ Refund/Partial refund
- ❌ Recurring payments (Subscription)
- ✅ Credit check at checkout
- ✅ Payout even in case of debtor loss
POWERPAY
The Swiss payment service provider POWERPAY enables merchants to offer their customers purchase on account with an installment payment option. POWERPAY handles the credit check and assumes the risk of non-payment.
Requirements
- Merchant registered in 🇨🇭 Switzerland or 🇱🇮 Liechtenstein
Features
- ✅ One-time payment
- ✅ Installment payment
- ✅ Refund/Partial refund
- ❌ Recurring payments (Subscription)
- ✅ Credit check at checkout
- ✅ Payout even in case of debtor loss
Ideal Payment
Ideal Payment AG is a Swiss company that offers merchants the payment method "Purchase on Invoice" with integrated accounts receivable management. You can learn how to activate Ideal Payment in zahls.ch in the relevant article.
Requirements
- Merchant registered in 🇨🇭 Switzerland
- Account with zahls.ch
- Account with Ideal Payment
Features
- ✅ One-time payment
- ✅ Installment payment
- ❌ Refund/Partial refund
- ❌ Recurring payments (Subscription)
- ✅ Credit check at checkout
- ✅ Payout even in case of debtor loss
HeyLight
HeyLight is a Swiss buy-now-pay-later payment solution that allows merchants to offer their customers monthly installment plans. Merchants can decide whether to cover the financing themselves or pass the interest on to the customer. You can learn how to activate HeyLight in zahls.ch in the corresponding article.
Requirements
- Merchant registered in 🇨🇭 Switzerland
- Account with zahls.ch
- Account with HeyLight
Features
- ✅ One-time payment
- ✅ Installment payment
- ✅ Refund/Partial refund
- ❌ Recurring payments (Subscription)
- ✅ Credit check at checkout
- ✅ Payout even in case of debtor loss
Bill (Manual)
With the manual payment method Bill, you can send invoices to your customers. Once an invoice is paid, the payment status must be manually updated in zahls.ch.
You have two options for creating the invoice:
- You can use the zahls.ch tool Invoice to create your invoices.
- You can create your invoices manually or with the help of a third-party tool outside of zahls.ch.
Requirements
- Account with zahls.ch
Features
- ✅ One-time payment
- ❌ Installment payment
- ❌ Refund/Partial refund
- ❌ Recurring payments (Subscription)
- ❌ Credit check at checkout
- ❌ Payout even in case of debtor loss