CembraPay refers to Payrexx as an existing interface. In Payrexx, CembraPay appears as a BNPL payment method for Swiss merchants, which you can activate in the Payrexx account and then offer at checkout.

CembraPay normally sends invoices by email. Sending by post can be activated and is associated with a fee of CHF 4.25 (2026).

According to the CembraPay terms and conditions, there are interest-free models such as 3in3, 4in4, 6in6, 12in12, and 24in24, where the installment is due proportionally to the purchase price, and the payment deadline for each installment is 25 days from the invoice date.

For merchants, the value of goods is paid out within a fixed-agreed period. This helps SMEs with cash management because revenues become more predictable, regardless of when customers settle their invoices.

CembraPay positions itself for merchants with payment guarantee and takes on the risk of payment defaults as well as receivables management. For SMEs, this is particularly interesting because purchasing on account can increase conversion without having to build up internal dunning processes and risk.

Customers choose CembraPay, the order is checked by CembraPay and directly accepted or declined. If accepted, customers receive an invoice via email or, upon request, by post after delivery and can then pay in one sum or in installments according to the options.

CembraPay is a Swiss payment solution for invoice purchasing and installment payment. SMEs can thereby offer invoice purchasing in the checkout and, depending on the setup, also monthly installments without having to manage accounts receivable and bear credit risk themselves.