In designing our Buy Now, Pay Later (BNPL) solution for the Swiss market, we included a critical step: managing unpaid invoices.

Traditionally, forwarding overdue invoices to debt collection agencies required manual paperwork - a process that was slow, expensive, and error-prone.

To modernize this, we built a direct API integration with leading Swiss debt collection providers - dieinkasso.ch and debitors.ch.

This integration delivered:
Fully automated invoice handover
Lower operational costs
Faster, more reliable collections
A scalable fintech workflow

Result: A debt collection process that is faster, cheaper, and seamlessly embedded into our BNPL platform - setting a new standard for Swiss fintech solutions.

42% of consumers still prefer receiving paper bills, especially when dealing with financial or legal matters.

In today’s digital-first world, email might be king, but when it comes to compliance, trust, or reaching customers who aren't online, snail mail still rules.

Challenge that might surprise some: the need to send paper invoices and reminders by post, not just email.

Solution? We integrated Pingen, a Swiss-based postal API service that lets digital platforms send real, physical letters automatically. Just like sending an email—but with a stamp.

Digital system triggering paper mail delivery.

Have you ever had to bridge digital and physical worlds in your product?

We’ve learned a lot building payment infrastructure in a regulated market like Switzerland.

In 2020, while working on the BNPL product Paidle, we were required to implement BVR payment slips - a legacy format that was still standard at the time.

We didn’t stop at compliance.
We made the experience efficient for the end user, enabling BVR scanning and real-time API-based payment confirmation from Credit Suisse. No delays. No reconciliation issues.

When the Swiss market moved to QR-bills in 2022, we were already ready.
Our platform supported both formats, and we ensured our clients transitioned without disruption, ahead of the regulatory deadline.

Now we’re addressing the next challenge:
How to offer structured billing without requiring users to scan, click, or enter details manually.

We’re currently working on the integration of eBill, allowing users to:

• Receive digital payment requests directly in their e-banking portal
• Schedule payments for any time they prefer

Have you ever had to migrate data from one platform to another?

We recently got such a request while moving from the widely used Transportation Management System, Sylectus, to a custom-built solution.

The initial estimation?

• 6 weeks
• A team of 3 people
• Manually copy-pasting every vehicle and all related data

Instead, I spent a weekend building a Python-based Scrapy crawler that automated the entire process.

• No more repetitive manual work
• Thousands saved in effort and cost
• And here’s the bonus: we could now recreate the database on demand using real-world data, which was incredibly helpful for testing the new system under realistic conditions.

This kind of automation doesn't just save time—it makes your dev and QA process smoother and far more efficient.

Check out the sample code on GitHub

If you're planning a similar migration, feel free to try it out—and skip the pain of copy-pasting.