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.

Transaction fees

Transaction fees

Ideal Payment
FREE

1.00%

+

1.00%

+

STANDARD

0.50%

+

0.50%

+

PREMIUM

0.25%

+

0.25%

+

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

1.00%

+

1.00%

+

STANDARD

0.50%

+

0.50%

+

PREMIUM

0.25%

+

0.25%

+

Kanäle

Online

Functions

See documentation

Documentation

How you can activate Ideal Payment

For existing customers

To activate Ideal Payment, you first request an offer through your Payrexx account. After registration, you will receive your login details by mail from Ideal Payment. Then, you log in to Payrexx, open the payment provider settings, and enter the login details for Ideal Payment.

For new customers

Create your Payrexx account at the push of a button and test Payrexx without obligation. After activating your Payrexx account, you can select Ideal Payment as a third-party provider and connect your Ideal Payment account with Payrexx.

For existing customers

To activate Ideal Payment, you first request an offer through your Payrexx account. After registration, you will receive your login details by mail from Ideal Payment. Then, you log in to Payrexx, open the payment provider settings, and enter the login details for Ideal Payment.

For new customers

Create your Payrexx account at the push of a button and test Payrexx without obligation. After activating your Payrexx account, you can select Ideal Payment as a third-party provider and connect your Ideal Payment account with Payrexx.

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.

Test Payrexx free of charge and without obligation.

Without risk and without obligations. Discover how simple online payments can be.

Test Payrexx free of charge and without obligation.

Without risk and without obligations. Discover how simple online payments can be.

Test Payrexx free of charge and without obligation.

Without risk and without obligations. Discover how simple online payments can be.