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RESEARCH · OPEN BANKING · PART 1 OF 2

Swiss E-Commerce Pay-by-Bank

Current state and cost analysis: CHF 180–210M in annual merchant fees.

Swiss merchants pay between CHF 180 million and CHF 210 million annually in e-commerce payment processing fees — the vast majority captured by international card schemes. This piece breaks down the cost structure, explains why card economics dominate Swiss checkout flows despite TWINT's local strength, and quantifies the addressable opportunity for Open Banking + SIC5 instant payment rails.

Continue to part 2

Part 2 covers the adoption barriers and what would unlock 60–85% fee compression: Swiss E-Commerce Pay-by-Bank — Open Banking Opportunities and Adoption Barriers.

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