Ideal Payment for online shops
Ideal Payment enables merchants in Switzerland to offer their customers purchase on account with integrated receivables management – completely without their own dunning process. In addition to one-time payments, simple installment payments in two to three installments are also possible.
Ideal Payment
FREE
STANDARD
PREMIUM
Integrated Accounts Receivable Management
Ideal Payment takes over the complete receivables management for merchants, including the dunning process. This eliminates the time and resource-intensive effort for payment reminders, debt collection, or tracking open invoices.
Purchase on account with installment option
Customers have the option to conveniently pay for their purchases in two to three installments, which can simplify the purchasing decision and lead to higher cart values. For merchants, this means an increased conversion rate.
Easy integration via Payrexx
The payment method can be seamlessly integrated into existing Payrexx shops – without major technical effort or long implementation times. Merchants can quickly activate Ideal Payment and offer it immediately.
Processing by
Third-party provider
Type
Buy Now Pay Later
Availability
CH, DE, AT, LI, FR, IT, UK, NL, DK
Transaction fees
FREE
STANDARD
PREMIUM
Kanäle
Online
Functions
See documentation
Documentation
How you can activate Ideal Payment
The most common questions about Ideal Payment for online shops
Answers to typical questions that merchants and SMEs have about the payment method Ideal Payment, including important information on costs, security, and implementation for use in checkout or online shop.
How does an SME set up Ideal Payment in Payrexx?
In Payrexx, you go to Payment providers, open the alternative payment methods, and start the setup at Ideal Payment to request an offer. Then you configure Ideal Payment in Payrexx with live or test mode and enter the access data you receive from Ideal Payment.
How do payouts with Ideal Payment via Payrexx work?
Because Ideal Payment is integrated into Payrexx as an external payment provider, payouts are not executed by Payrexx but directly by Ideal Payment. According to the documentation, many transactions are paid out in real-time after the payment is completed, with the rest according to the settlement period from the invoice date, averaging around 15 days until the full amount.
Can merchants and SMEs influence reminder periods at Ideal Payment?
Yes. Merchants can adjust the reminder periods in the Ideal Payment customer portal to give customers more time for payment if needed.
Is there a seller risk with Ideal Payment?
No, Ideal Payment takes on the risk of payment defaults. Merchants receive their money according to the contractually agreed terms, regardless of whether the customer pays or not.
How can I, as an SME, offer a transparent and genuine installment payment directly at checkout?
Yes, with ideal BILLING+ via Payrexx, you offer your customers a real installment payment option during checkout – without interest, only with a fixed fee per installment. Your customers transparently select the installments, and you receive your money immediately thanks to a payment guarantee – completely without a minimum amount or credit check.
What is Ideal Payment and how does it work for merchants?
Ideal Payment is a Swiss payment provider that offers merchants the payment method "purchase on account" with integrated debtor management. The entire dunning and collection process is handled automatically, relieving merchants. For SMEs, this is exciting because you can offer purchase on account and at the same time processes around receivables are handled in a structured way by the provider.
Can merchants accept partial payments with Idal Payment?
Yes, partial payments are possible. The customer can pay a partial amount while the dunning process for the outstanding balance continues until it is fully settled.
