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Payment gateway in Switzerland: a short guide

  • 6 min read



What is a payment gateway?

A payment gateway is a software that allows payments for online shops and retailers and plays an important role in the transaction process. It protects the data on the credit card by encrypting the confidential information it contains. This process ensures that personal information is securely shared between the customer and the online store.

If you have an online store and are interested in accepting credit card payments either online or via a mobile device, you will need a payment gateway. It is the bridge between your product sales and your customer.

How does a payment gateway work?

In online payments, payment gateways are the link between the sellers and banks or credit card organizations. Payment gateways facilitate communication within the banks. You submit the transaction information from the buyer’s bank to the seller’s bank (for example, if a transaction is approved or declined).

By securely transferring information between the online store and the credit card and then returning transaction data to the website, it is the main component that enables e-commerce to function.

Security is an integral part of all payment gateways, especially since sensitive data such as credit card numbers must be protected against fraud. The card associations have created a set of rules and security standards that must be followed by anyone who has access to card information, including gateways.

The transmission of an order is usually made via the HTTPS protocol, which transmits personal data securely via the parties involved in the transaction.

The payment process should run smoothly and make purchasing more comfortable for customers. If it gets too complicated (too many steps, lots of personal information), your customer will give up his purchase and look elsewhere. Look for a payment gateway that accepts all major credit and debit cards. It is also crucial today that the payment gateway is optimized for mobile users.

payment gateway

Make sure that the payment gateway allows for international acceptance unless you expect payments from your local market. The internet is global and transcends all boundaries, so your customers can come from all over the world. Do not limit yourself to a payment gateway that does not allow global payments.

Payment gateways usually charges a fee per transaction. The fees vary depending on the payment gateway. Our recommendation is to find out about several payment gateway providers.

Gateway Fraud Detection

Many payment gateways, such as Postfinance, SIX or BS Payone, allow traders additional options when booking a service or purchasing a product. In addition to being able to conduct real-time transactions, these providers can also help convert currencies between two parties in different countries, as well as bridge language and payment methods.

In addition, payment gateways screen orders with a variety of helpful tools. These screening procedures filter out possible fraud cases.

Here are some examples of Gateway Fraud Detection programs:

  • Verification of delivery address
  • AVS checks
  • Computer Fingerprint Technology
  • Speed pattern analysis
  • Identity transformation detection
  • geolocation.



When creating a web shop, it’s important to choose the right payment gateway for your products, region you want to sell and your customers. If you have questions about payment gateways, you can always contact us!


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