Ideal Payment for online shops
Ideal Payment enables Comerciante:s from Switzerland to offer their customers purchase on account with integrated debtor management – without their own dunning process. In addition to one-time payments, an easy instalment payment in two to three instalments is also possible.
Ideal Payment
FREE
STANDARD
PREMIUM
Integrated accounts receivable management
Ideal Payment takes over complete debt management for Comerciante:innen, including dunning processes. This eliminates the time-consuming and resource-intensive effort for payment reminders, debt collection, or tracking outstanding invoices.
Invoice purchase with instalment option
Customers have the option to conveniently pay for their purchases in two to three instalments, which can make purchasing decisions easier and lead to higher basket values. For Comerciante, this means an increased conversion rate.
Simple integration via Payrexx
The payment method can be seamlessly integrated into existing Payrexx shops without much technical effort or long implementation times. Comerciante:s can quickly activate Ideal Payment and offer it immediately.
Processing by
Proveedor externo
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 to activate Ideal Payment
The most common questions about Ideal Payment for online shops
Answers to typical questions that Comerciante 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 work at Ideal Payment via Payrexx?
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 documentation, many transactions are paid out in real-time after the completion of payment, the rest according to the settlement period from the invoice date, on average around 15 days to the full amount.
Can Comerciantes and SMEs influence the reminder deadlines at Ideal Payment?
Yes. Comerciante can adjust the reminder periods in the Ideal Payment customer portal to give customers more time to pay if needed.
Is there a seller risk with Ideal Payment?
No, Ideal Payment assumes the risk of payment defaults. Merchants receive their money according to the contractually agreed conditions, regardless of whether the customer pays or not.
How can I, as an SME, offer transparent and genuine instalments directly at checkout?
Yes, with ideal BILLING+ via Payrexx, you offer your customers a genuine instalment payment option at checkout – without interest, just with a fixed fee per instalment. Your customers transparently select the instalments, and thanks to the payment guarantee, you receive your money immediately – completely without 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 reminder and debt collection process is handled automatically, relieving merchants. This is exciting for SMEs, because you can offer purchase on account and at the same time processes around claims run in a structured manner through the provider.
Can comerciantes accept partial payments with Idal Payment?
Yes, partial payments are possible. The customer can pay a part of the amount, while the reminder process for the outstanding balance continues until it is fully settled.
