Sources: Swiss National Bank, FINMA and provider disclosures, 2024–2025.
How Switzerland pays
Switzerland pays with its own tools. TWINT, the mobile payment app backed by the Swiss banks, is the national way to pay by phone, in shops, online and between friends. PostFinance cards and payments are widely held, and bank-issued debit cards, now mostly Debit Mastercard and Visa Debit, carry everyday spending alongside credit cards.
Many Swiss shoppers also like to pay by invoice, settled later with the QR-bill, and Apple Pay, Google Pay and PayPal complete the picture. Switzerland is outside the EU, so PSD2 does not apply, but issuers use 3DS widely. Orchestrapay carries cards and wallets behind one integration, collecting in Swiss francs, with routing across acquirers, 3DS tuned for conversion, and checkout in German, French and Italian.
Why merchants run on us here
Cards & wallets live today
International card acquiring and the express wallets, available now through one integration.
How Switzerland pays locally
TWINT and PostFinance define Swiss checkout, and we track them as we grow local coverage.
3DS outside PSD2
Switzerland sits outside PSD2, so authentication is tuned to issuer behavior rather than EU exemption rules.
Franc settlement & FX
Collect in CHF and settle in your base currency, with FX handled for you and multilingual checkout.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Switzerland
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Switzerland like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Switzerland today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Swiss franc (CHF) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Switzerland?
Talk to our payments team about going live in Switzerland — coverage, local acquiring, settlement and timelines for your business.