SWISSBILLING
Swissbilling, a brand of CembraPay AG (subsidiary of Cembra Money Bank), provides buy-now-pay-later payment solutions to Swiss consumers and merchants via invoice, 0% financing, and TWINT integration.
- Company typePrivate
- Founded2011
- HeadquartersRenens, Switzerland
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What SWISSBILLING does
Swissbilling is a Swiss buy-now-pay-later (BNPL) payment solutions brand operated by CembraPay AG, a wholly-owned subsidiary of Cembra Money Bank AG — a FINMA-supervised Swiss bank listed on the SIX Swiss Exchange since 2013 with an A- S&P credit rating. The company serves Swiss consumers and merchants with three core products: Purchase on Invoice (pay after receipt), 0% Financing (interest-free installments up to 48 months), and Pay Later with TWINT (30-day deferred payment integrated into Switzerland's leading mobile payment app). Underlying technology consists of automated credit decisioning powered by CRIF AG database lookups combined with internal payment history scoring, an invoice management and debtor recovery platform, and integration layers via DATATRANS for merchant connectivity. The Billing-as-a-Service offering extends the platform to B2B customers through five modular services (Billing Engine, Processing, Factoring, Guarantee, Debt Collection) targeting organizations that want to outsource accounts-receivable processes with optional debtor financing.
Revenue is generated through multiple streams: transaction fees charged to merchants for payment processing and full payment guarantee, merchant absorption or pass-through of consumer postage and service fees, interest-equivalent margins on 0% financing (offset by credit risk assumption), late payment and recovery fees (CHF 25 per reminder, CHF 50-960 for collection depending on invoice size), and enterprise contracts for Billing-as-a-Service modules. Distribution is domestic-only (Switzerland) and combines direct merchant sales (targeting SMB and mid-market), integration with partner e-commerce platforms, in-store financing at physical retailers, and the embedded TWINT channel. Flagship merchant partners include IKEA Switzerland, Conforama Suisse, FNAC Switzerland, and Touring Club Schweiz, while operational partnerships with Intrum AG (collections), LexisNexis (risk data), and Infomaniak (hosting) underpin the back-office stack. The brand itself is lean (1-10 employees) but draws on the institutional scale, regulatory standing, and capital base of parent Cembra Money Bank, which serves over 1 million Swiss customers.
SWISSBILLING firmographics
Firmographics- Name
- SWISSBILLING
- Legal name
- CembraPay AG
- Website
- https://swissbilling.ch
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Swissbilling, a brand of CembraPay AG (subsidiary of Cembra Money Bank), provides buy-now-pay-later payment solutions to Swiss consumers and merchants via invoice, 0% financing, and TWINT integration.
- Ownership category
- akta.pro rank
SWISSBILLING industry classification
Industry- Product category
- Consumer Lending Services
- NAICS
- Sales Financing (522220), Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- BNPL for High-Ticket / Longer-Term Installments (FSAKACAN)
- akta.pro secondary industries
- In-Store / In-Person BNPL (POS) (FSAKACAB), Buy Now, Pay Later (BNPL) (CRAFALAD), BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
Keywords
Where SWISSBILLING is headquartered
LocationHeadquarters
- HQ city
- Renens
- HQ country
- Switzerland
- HQ region
- Europe
Offices3 records
Markets served
SWISSBILLING business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Marketing or Sales, Personnel, Infrastructure
Revenue model
- Transaction/Fee Revenue from Merchants: Swissbilling charges merchants for payment processing services. The fee for dispatch by post and other services are passed to merchants. Merchants can choose to share or fully absorb these costs.
- Consumer Installment Financing: Revenue generated from 0% financing offers to consumers, with terms up to 48 months. The company assumes credit risk for these transactions.
- Billing as a Service: B2B services including billing software, processing, factoring, guarantee, and debt recovery modules that can be purchased independently by organizations.
- Late Payment and Recovery Fees: Fees charged for late payments (CHF 25 per reminder), debt collection, and address searches from consumers who fail to pay on time.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Purchase on Invoice - Free for consumers |
| Subscription | Monthly | 0% Financing - Interest-free installment payments |
| Transaction based/ take rate | Pay-as-you-go | TWINT 'Pay Later' - 30-day payment term |
| Unit Pricing | Pay-as-you-go | Late Payment Fees |
| Other | Multi-year contract | Billing as a Service - Enterprise modules |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
SWISSBILLING product offering
Product offeringCore offering
Swissbilling is a Swiss Buy Now Pay Later (BNPL) payment solutions brand of CembraPay AG that offers consumers the ability to purchase goods online or in-store and pay later via invoice, 0% interest-free installments (up to 48 months), or TWINT 'Pay Later' (30-day deferred payment). For merchants, the company provides a full payment guarantee service that assumes credit risk and handles debtor management. Swissbilling also operates a B2B Billing-as-a-Service platform with five selectable modules for organizations seeking to outsource invoicing and debt recovery.
Product overview
Swissbilling is a Swiss payment solutions brand of CembraPay AG offering a portfolio of buy-now-pay-later products. The core consumer offering consists of three main products: Purchase on Invoice (allowing flexible payment by invoice or installments), 0% Financing (interest-free installment payments up to 48 months), and Pay Later with TWINT (integration with the Swiss TWINT mobile payment app for 30-day deferred payment). For merchants, Swissbilling provides a Payment Guarantee service that assumes full credit risk. The company's enterprise offering is the Billing-as-a-Service platform, a modular invoice-to-cash solution comprising five selectable modules: Billing Engine (invoicing software), Processing (print/send, accounting, address management, customer support, collection), Factoring (debtor financing), Guarantee (creditworthiness checking and payment default protection), and Debt Collection (amicable and judicial recovery). The ecosystem is complemented by a consumer mobile app for real-time account and invoice management.
Differentiator
Problem solved
Functional benefit
Products and services
- Purchase on Invoice A consumer-facing payment solution allowing shoppers in Switzerland to purchase goods from partner e-commerce platforms or physical stores and pay later by invoice, either in full or in installments. The consumer receives the product before paying.
- 0% Financing An interest-free installment financing solution that allows Swiss consumers to finance purchases over 3 to 48 months at 0% interest, available at partner merchants. Swissbilling assumes the credit risk for these transactions.
- Pay Later with TWINT A Buy Now Pay Later integration embedded within Switzerland's TWINT mobile payment app that allows users to shop and pay for purchases within 30 days. Includes a dedicated portal for managing purchases and payment deadlines.
- Billing-as-a-Service A B2B modular invoice-to-cash platform that enables public and private organizations to outsource billing processes partially or entirely, with or without debtor financing (factoring). Five selectable modules include Billing Engine, Processing, Factoring, Guarantee, and Debt Collection.
- Payment Guarantee A merchant-facing service under which Swissbilling assumes full risk of consumer non-payment, guaranteeing payment to merchants within agreed timeframes regardless of whether the consumer pays in one or multiple installments.
Quantifiable outcome
- Merchants receive payment within 2 days after order shipment, regardless of customer payment behavior.
Companies that use SWISSBILLING
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
SWISSBILLING technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability1 record
Feature4 records
SWISSBILLING partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core, flagship and minor.
- TWINTcoreSwissbilling is an official partner of TWINT, Switzerland's leading mobile payment app. Swissbilling processes 'Pay Later' transactions within the TWINT ecosystem, allowing users to pay purchases within 30 days.
- IKEAflagshipIKEA Switzerland offers Swissbilling payment options to customers for furniture purchases.
- Conforama Suisse Holding SAflagshipConforama Switzerland offers Swissbilling payment solutions for home goods and furniture purchases.
- Touring Club Schweiz (TCS)corePartnership with Switzerland's largest mobility club for payment solutions.
- FNACflagshipFNAC Switzerland offers Swissbilling payment options for electronics and entertainment products.
- CRIF AGcoreCRIF AG provides credit information database services for identity verification and creditworthiness checks.
- Intrum AGcoreIntrum AG provides debt collection services when customers fail to pay invoices.
- DATATRANScoreDATATRANS provides secure payment gateway services, facilitating connection between merchants and Swissbilling.
- AXA Versicherungen AGminorInsurance partner within the Cembra Group cooperation network.
- Generali Personenversicherungen AGminorInsurance partner within the Cembra Group cooperation network.
- Cembra Money Bank AGflagshipParent company of Swissbilling (CembraPay AG). One of Switzerland's leading providers of financing solutions with over 1 million customers, listed on SIX Swiss Exchange.
Scale indicators4 records
Expansion highlights4 records
SWISSBILLING competitors and assessment
Company assessmentOthers
- DATATRANS: Swiss payment gateway that provides connection infrastructure between merchants and payment providers including Swissbilling. Ecosystem participant and technology partner rather than direct competitor, but addresses the same merchant payment integration needs.
Broad incumbents
- Viseca: Swiss credit card issuer and payment services provider owned by major Swiss banks. Comparable as a Swiss incumbent in consumer credit and payment solutions, though focused on credit cards rather than BNPL invoice financing specifically.
Direct peers
- Scalapay: European BNPL platform offering pay-in-3 and longer-term installments across multiple European markets. Comparable to Swissbilling in BNPL mechanics and merchant acquisition model, though multi-country rather than single-country focus.
- Affirm: US-listed BNPL provider offering pay-later and longer-term installment financing, including 0% APR products. Comparable to Swissbilling's 0% financing up to 48 months product and assumption of credit risk on installment loans.
- Afterpay: Block-owned BNPL platform offering pay-in-4 and longer-term installments globally. Comparable to Swissbilling in BNPL product suite though primarily pay-in-4 versus Swissbilling's longer-term focus.
- Ratepay: German BNPL provider offering invoice, installment, and direct debit payment methods across European e-commerce. Directly comparable to Swissbilling's invoice-based BNPL model with similar merchant integration approach.
- Klarna: Swedish BNPL leader offering pay-in-installments and pay-later solutions across Europe. Comparable to Swissbilling in core product (invoice/longer-term installment financing for e-commerce) though operating at much larger scale and across multiple countries.
- Cashpresso: Swiss BNPL service offering installment payments to consumers at Swiss online shops. Directly competes with Swissbilling in the Swiss market with similar invoice-based longer-term installment positioning.
- Powerpay: Swiss BNPL provider offering pay-later and installment financing for online purchases. Competes with Swissbilling for the same Swiss e-commerce merchants and consumer base with similar invoice-based product structure.
- Riverty: Bertelsmann-owned European BNPL and invoice financing platform operating across multiple countries. Comparable to Swissbilling's invoice-based pay-later model and Billing-as-a-Service adjacent offerings for merchant credit risk assumption.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
SWISSBILLING social profiles
Digital presenceSWISSBILLING financial estimates
Financial estimateRevenue estimate
Valuation estimate
SWISSBILLING leadership team
Management profileNumber of profiles
Profiles1 record
SWISSBILLING funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SWISSBILLING M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SWISSBILLING
What does SWISSBILLING do?
Swissbilling is a Swiss Buy Now Pay Later (BNPL) payment solutions brand of CembraPay AG that offers consumers the ability to purchase goods online or in-store and pay later via invoice, 0% interest-free installments (up to 48 months), or TWINT 'Pay Later' (30-day deferred payment). For merchants, the company provides a full payment guarantee service that assumes credit risk and handles debtor management. Swissbilling also operates a B2B Billing-as-a-Service platform with five selectable modules for organizations seeking to outsource invoicing and debt recovery.
Is SWISSBILLING a public or private company?
SWISSBILLING is a private company. It is classified as corporate owned and is currently operating.
When was SWISSBILLING founded?
SWISSBILLING was founded in 2011. It employs 1 to 10 people.
Where is SWISSBILLING based?
SWISSBILLING is headquartered in Renens, Switzerland, in the Europe region.
How does SWISSBILLING make money?
Four revenue lines are on record. Transaction/Fee Revenue from Merchants are the primary driver. The others are consumer Installment Financing, billing as a Service and late Payment and Recovery Fees.
Who are SWISSBILLING's main competitors?
DATATRANS is listed as an others. Viseca is listed as a broad incumbent. Direct peers are Scalapay, Affirm, Afterpay, Ratepay, Klarna, Cashpresso, Powerpay and Riverty.
Does SWISSBILLING have an API?
No public API is recorded for SWISSBILLING.
What industry is SWISSBILLING in?
SWISSBILLING's product category is Consumer Lending Services. Its primary akta.pro industry code is FSAKACAN, BNPL for High-Ticket / Longer-Term Installments, with a secondary code of FSAKACAB, In-Store / In-Person BNPL (POS). Its NAICS code is 522220 and its SIC code is 6141.