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

CembraPay normally sends invoices via email. Shipping by post can be activated and is associated with a fee of EUR 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 per installment is 25 days from the invoice date.

For Comerciante, the value of goods is paid out within a fixed agreed period. This helps SMEs with cash management, as income becomes more predictable, regardless of when customers settle their invoices.

CembraPay positions itself for merchants with payment guarantee and assumes the risk of payment default as well as debtor management. For SMEs, this is particularly interesting because invoice purchasing can increase conversion, without having to establish internal dunning processes and risk management.

Customers select CembraPay, the order is reviewed by CembraPay and either directly accepted or rejected. If accepted, customers receive an invoice after delivery via email or, upon request, by post and can then pay according to their options in one sum or in instalments.

CembraPay is a Swiss payment solution for invoicing and installment payments. SMEs can offer invoice purchase at checkout and, depending on the setup, also monthly installments, without having to manage receivables or bear the risk of non-payment themselves.