Online shopping

• Only available from the age of 18 and with a regular income.
• Enter credit card information online; monthly billing.
• Measures to make payments more secure such as MasterCard Secure Code or Verified by Visa (passwords, codes and encrypted connections).
• Fees vary depending on provider.

• Invoice with QR code, is usually delivered along with the goods.
• You have 10–30 days to pay the invoice. Some shops require payment before delivery (prepayment).
• Invoices can be paid via online banking, mobile banking, Twint (not all shops), or by Postfinance card, bank card, or cash at post office counters.

• Usually available from 14 years of age; signature of legal representative is required.
• Available at banks, post offices and kiosks. At banks and post offices you need to establish an account.
• Works like a credit card for cashless payments online and abroad, for example.
• Fees vary depending on provider.

• Third-party providers for online payments.
• Pay online via PayPal account, where you deposit your credit card information or a credit balance.
• Payment is made using email address and password (text message optional).
• Credit card or account information is not passed on to the online shop.
• Partial buyer protection: General terms and conditions (GTC) and the corresponding guidelines set out a baseline.

• Mobile payment app that requires a smartphone with a Swiss phone number.
• Available as a prepaid app (minimum age 12 years) or linked to a bank account at most Swiss banks (except for e.g. Bank Cler and Basler Kantonalbank).
• Desktop: Paying by scanning the QR code of online shop. Mobile: Paying directly in Twint app.

• Unlike credit cards, debit cards are linked to a bank account.
• In principle, the new debit cards from Mastercard and Visa work in all online shops that also accept their credit cards.
• Fees vary depending on provider.

• Must be 18 or older, with a valid debit card and a mobile number
• Available payment options in Swiss online shops
  • ‘Pay instantly’: Payment is triggered immediately, either via instant transfer or credit/debit card.
  • ‘Pay in 30 days’: Invoice is due 30 days after dispatch.
  • ‘Pay in 3’: First instalment at checkout, the two remaining instalments automatically deducted within 60 days; free of interest and charge.
• Credit check: For ‘Pay in 30 days’, Klarna requests a credit check from CRIF or Bisnode, which can influence your credit score.

Note: Payment conditions vary depending on provider (such as Cembra Pay, Klarna, Powerpay, Twint, etc.).