Omnichannel payments in Swiss retail: click & collect, pop-up and boutique from a single source

Swiss boutiques, bookshops, and specialist stores sell online and on-site today – often using two different payment providers, two dashboards, and two payout schedules. This costs time and clarity. An integrated omnichannel setup connects webshop and shop counter in one solution: one contract, one payout, all channels.

This guide shows you how omnichannel payments work in practice for Swiss retailers – from Click & Collect to pop-up stores and brick-and-mortar shops with webshops.

1. Why omnichannel is relevant in Swiss retail right now

According to the Deloitte 2026 Retail Industry Global Outlook, 46 % of retail executives prioritise upgrading their omnichannel infrastructure as their key growth opportunity. In the Swiss context, there is an additional specific trigger: the replacement of Maestro by Visa Debit and Mastercard Debit.

The Maestro card – for years the standard debit card in Switzerland – is being discontinued across Europe. Swiss merchants who still operate older POS terminals must switch to new devices. This switch, which is necessary anyway, also presents the ideal opportunity to consolidate the online shop and POS terminal with the same provider – thus sets up omnichannel as a side effect of the terminal migration.

Current terminals such as the Nexgo N6 and N86 support Visa Debit and Mastercard Debit natively. The debit card fee at the POS with Payrexx is 0.95 % + EUR 0.15 (as of May 2026).

2. Typical omnichannel scenarios in Swiss retail

Omnichannel does not necessarily mean a complex IT project for brick-and-mortar Swiss retailers. Most SMEs start with one of the following scenarios:

The key is not the complexity of the setup, but the connection behind it: all transactions from all channels must appear in the same overview and be aggregated in a single payout.

3. Click & Collect: Buy online, collect on-site

Click & Collect is the first logical omnichannel step for many Swiss retailers. Customers buy in the webshop, pay fully online – and collect the goods in the shop. For merchants, this means:

•        No second payment terminal required for collection

•        Shorter queues at the checkout

•        Advance payment reduces the no-show rate for reservations

•        Simplified inventory management: what is paid for online is definitely sold

Technically, Click & Collect works via the webshop plugin (WooCommerce, Shopify, Shopware etc.) in connection with Payrexx. Payment is made in the online checkout, the shop status changes to 'paid', and the order is simply handed over at collection. The payout from the online purchase and any on-site purchases are combined in the same weekly payout.

4. Pop-up stores and temporary points of sale

Pop-up stores, Christmas market stalls, and temporary sales locations have specific requirements: fast setup, no contract commitment for hardware, mobile solution without a fixed power outlet.

Tap to Pay as a pop-up solution

Tap to Pay transforms an NFC-enabled Android smartphone (Android 8.1+) into a Lector de tarjetas. No terminal purchase, no terminal rental, no hardware shipping. The app is installed, linked to the Payrexx account, and payments can be accepted immediately. Supported payment methods: Visa, Mastercard, TWINT, Apple Pay, Google Pay, Samsung Pay.

Tap to Pay is available in all Payrexx plans – including the Free plan with no subscription costs. Transaction fees: debit card 0.95 % + EUR 0.15, credit card 1.25 % + EUR 0.15, TWINT 1.25 %.

QR Pay as a supplement

A printed QR code on the sales counter allows TWINT payments without any hardware. Customers scan, the amount is confirmed, and the payment appears immediately in the Dashboard. The most affordable solution without fixed costs for seasonal stalls.

Payment links for pre-orders

Business owners taking orders before an event or a pop-up date can send payment links via email, Instagram, or WhatsApp. Customers pay in advance, giving merchants certainty about demand.

5. Brick-and-mortar shop with webshop: The integrated setup

The most common case in Swiss retail: a physical shop that also operates a webshop. Often these two channels run via different providers – POS terminal from Worldline or SumUp, online payments via another PSP. The result: duplicate fee structures, separate payouts, manual reconciliation.

An integrated setup with a single provider for online and POS resolves this:

To set this up, all that is needed is: a Payrexx Standard plan account (EUR 19/month), the webshop plugin (WooCommerce, Shopify, Shopware – all included), and a POS terminal (Nexgo N6 or N86, currently free, regularly EUR 25/month).

6. Maestro decommissioning: What Swiss retailers should do now

The replacement of Maestro by Visa Debit and Mastercard Debit affects all Swiss merchants with POS terminals. Older devices that only accept Maestro must be replaced. Anyone using this switch as an opportunity can at the same time:

•        Upgrade to a new terminal with Visa Debit / Mastercard Debit / TWINT support

•        Consolidate the online channel and POS under the same provider

•        Set up Tap to Pay as a free mobile supplement

•        Optimise the fee structure: debit cards (Maestro successors) cost 0.95 % + EUR 0.15 – which is less than credit cards

Checklist: Setting up omnichannel payments for Swiss retail

•        Check existing POS terminals for Maestro compatibility

•        Consolidate online shop and POS terminal under a single payment provider?

•        Activate Click & Collect: connect the webshop plugin with Payrexx

•        Activate TWINT on all channels (Online + POS + QR)

•        Pop-up or seasonal business: set up Tap to Pay on an Android device

•        Define a consolidated payout schedule (weekly or monthly)

•        Vouchers and gift cards: set up to be redeemable online and on-site

•        Check Dashboard reporting for all channels: one view for Online + POS

Payrexx offers Swiss retailers a complete omnichannel solution: webshop plugins (WooCommerce, Shopify, Shopware, MyCommerce and more) from the Standard plan upwards, POS terminals Nexgo N6/N86 (EUR 25/month, currently free), Tap to Pay for Android without hardware costs. TWINT, PostFinance Pay, Visa, Mastercard and wallets via a single contract – with a consolidated payout to your IBAN. Find out more at payrexx.com.