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.

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

While many assume banks don’t offer public APIs, they actually do — even in Switzerland.

In our BNPL product for the Swiss market, Paidle, we faced a key challenge:
tracking incoming customer payments in real time.

To solve this, we integrated with Credit Suisse using a CAMT (Cash Management) XML-based format - part of the ISO 20022 standard widely used for payment reconciliation.

Using Credit Suisse’s CAMT API, we now receive daily updates on received payments, allowing for:

• Precise matching against outstanding invoices
• Fully automated reconciliation
• Real-time visibility into financial flows

But Here’s the Catch: Swiss Banks Are Conservative

Getting integration approval isn’t easy:

• Strict security, compliance, and infrastructure requirements
• Long, complex approval and documentation processes
• Direct collaboration with bank representatives is often necessary

Despite the friction, we now have a real-time, automated payment tracking pipeline - a critical foundation for scaling any fintech solution in Europe.