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

Ever wondered what a real mobile message to Orange, Vodafone, or O2 looks like under the hood?

0000003F00000004000000000000000100010153656E64657249440001013338

336313237363530350000000100000000000D48656C6C6F20416E6472697921

This line is what actually travels over the wire when you integrate with mobile operators using SMPP (Short Message Peer-to-Peer protocol). Implementing SMPP in Java was one of the first challenging yet exciting tasks we tackled while building a new platform for Echovox, more than 12 years ago. It's a hidden engine behind every "ping" and "buzz" you get from businesses worldwide. Back then, mastering SMPP felt like unlocking a secret language of the telecom world — and it still powers the mobile messaging ecosystem today.

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.