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

CembraPay usually sends invoices via email. Postal delivery 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 period for each installment is 25 days from the invoice date.

For comerciantes, the value of goods is paid out within a fixed agreed period. This helps SMEs with cash management because revenues become more predictable, regardless of when customers settle their invoice.

CembraPay positions itself for merchants with payment guarantee and takes over the risk of payment default as well as accounts receivable management. This is especially interesting for SMEs because purchase on account can increase conversion without the need to set up internal dunning and risk management.

Customers choose CembraPay, the order is reviewed by CembraPay and directly accepted or rejected. If accepted, customers receive an invoice by email or, if desired, by mail after delivery and can then pay in full or in installments according to the options.

CembraPay is a Swiss payment solution for invoice purchasing and installment payments. SMEs can offer purchase on account in the checkout and, depending on the setup, also monthly installments without having to handle debtor management and risk of default themselves.