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.

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 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

1.00%

+

1.00%

+

STANDARD

0.50%

+

0.50%

+

PREMIUM

0.25%

+

0.25%

+

Kanäle

Online

Functions

See documentation

Documentation

How to activate Ideal Payment

For existing customers

To activate Ideal Payment, you first request an offer via your Payrexx account. After registration, you will receive your access data by post from Ideal Payment. Then you log in to Payrexx, open the payment provider settings, and enter the access data 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 Proveedor externo and connect your Ideal Payment account with Payrexx.

For existing customers

To activate Ideal Payment, you first request an offer via your Payrexx account. After registration, you will receive your access data by post from Ideal Payment. Then you log in to Payrexx, open the payment provider settings, and enter the access data 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 Proveedor externo and connect your Ideal Payment account with Payrexx.

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.

Test Payrexx for free and without obligation

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

Test Payrexx for free and without obligation

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

Test Payrexx for free and without obligation

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