Dublin, Feb. 12, 2025 (GLOBE NEWSWIRE) — The “Switzerland Buy Now Pay Later Business and Investment Opportunities Databook – 75+ KPIs on BNPL Market Size, End-Use Sectors, Market Share, Product Analysis, Business Model, Demographics – Q1 2025 Update” report has been added to ResearchAndMarkets.com’s offering.
The BNPL payment market in Switzerland is expected to grow by 12% on an annual basis to reach US$2.12 billion in 2025.
The Swiss BNPL market experienced robust growth during 2021-2024, achieving a CAGR of 19.7%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 8.7% during 2025-2030. By the end of 2030, the BNPL sector in Switzerland is projected to expand from its 2024 value of USD 1.89 billion to approximately USD 3.22 billion.
This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry in Switzerland, covering market opportunities and risks across a range of retail categories. With over 75 KPIs at the country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics.
It breaks down market opportunities by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spending dynamics. KPIs in both value and volume terms help in getting an in-depth understanding of end market dynamics.
Key Insights
The BNPL market in Switzerland is expanding rapidly, driven by the strong foundation of traditional “purchase on account” methods, the growing preference for flexible payment options, and the rise of digital commerce. As local providers such as TWINT and Swissbilling innovate to meet consumer demand, international players such as Klarna are also entering the market, intensifying competition. The increasing adoption of BNPL services is expected to enhance the overall shopping experience, giving consumers more control over their payments and boosting merchants’ sales.
Over the next few years, the BNPL landscape in Switzerland will continue to evolve, integrating these services into mobile payment platforms and making installment-based payments more seamless and accessible. As competition grows, providers must differentiate themselves through improved user experiences and strategic partnerships with retailers. Regulatory oversight may also become a key factor in ensuring responsible lending practices, balancing innovation with consumer protection to support the sector’s sustainable growth.
Rising Adoption of BNPL Services
- Switzerland is experiencing a notable increase in the adoption of BNPL services. Traditional “purchase on account” methods have long been popular, with over 70% of online merchants offering this payment option. Building on this foundation, digital BNPL solutions are gaining traction. For instance, TWINT, in collaboration with Swissbilling, introduced a “Pay Later” function, allowing customers to choose payment within 30 days.
- The surge in BNPL adoption is primarily driven by the rapid growth of e-commerce in Switzerland. Consumers seek flexible payment options that align with their purchasing habits. The convenience of deferring payments without incurring interest appeals to a broad demographic, especially as online shopping becomes more prevalent.
- The BNPL market in Switzerland is projected to continue its upward trajectory. This growth is expected to attract more providers, increasing competition and innovation in payment solutions.
Entry of International BNPL Providers
- The attractiveness of the Swiss market, characterized by high purchasing power and a well-established e-commerce infrastructure, draws international BNPL providers. These companies aim to capitalize on the growing demand for flexible payment solutions and the opportunity to partner with Swiss retailers.
- The entry of international players is expected to intensify competition in the Swiss BNPL market. Consumers will benefit from a wider array of payment options, while local providers may need to innovate and enhance their offerings to maintain market share. This competitive environment will likely drive advancements in user experience and service integration.
Integration of BNPL in Mobile Payment Platforms
- Mobile payment platforms in Switzerland are integrating BNPL functionalities to enhance their service offerings. TWINT’s partnership with Swissbilling to offer a “Pay later” option exemplifies this trend, allowing users to defer payments within the app.
- The widespread adoption of smartphones and the increasing use of mobile payment solutions drive this trend. Consumers prefer seamless and convenient payment methods, and integrating BNPL into existing mobile platforms effectively meets this demand.
- Integrating BNPL services into mobile payment platforms is expected to become more prevalent. This development will likely increase user engagement and loyalty as consumers appreciate the added convenience.
Merchants may also see increased sales due to the enhanced purchasing power of customers utilizing BNPL options.
Competitive Landscape and Regulatory Developments in Switzerland’s BNPL Market
The BNPL market in Switzerland is expanding rapidly, supported by the country’s strong e-commerce ecosystem and consumer preference for flexible payment solutions. The presence of established local players such as TWINT and Swissbilling, along with international entrants such as Klarna, has increased the availability of installment-based payment options. Additionally, recent launches such as ZoodPay’s BNPL solution and major financial mergers, such as UBS’s acquisition of Credit Suisse, indicate ongoing shifts in the competitive landscape that could impact the broader alternative lending sector.
Switzerland’s BNPL market is expected to see heightened competition, with projections showing continued growth and further market penetration. Regulatory authorities are strengthening oversight to ensure responsible lending, with the Federal Consumer Credit Act reinforcing transparency and creditworthiness assessments. As BNPL adoption rises, providers must navigate increasing regulatory requirements while differentiating their offerings through innovation and strategic partnerships to remain competitive in the evolving financial ecosystem.
Current State of the BNPL Market
- Switzerland’s BNPL market is experiencing significant growth, driven by increasing consumer demand for flexible payment solutions and a robust e-commerce sector. Traditional “purchase on account” methods have long been popular, with over 70% of online merchants offering this payment option. Building on this foundation, digital BNPL solutions are gaining traction. Local providers such as TWINT, in collaboration with Swissbilling, have introduced “Pay Later” functions, allowing customers to defer payments within 30 days. International players such as Klarna have also entered the Swiss market, expanding the range of payment options available to consumers.
Key Players and New Entrants
- Switzerland’s BNPL market is shaped by a mix of established local providers and international entrants competing for market share. TWINT, in partnership with Swissbilling, has been a key player, integrating BNPL services into its widely used mobile payment platform. At the same time, Klarna, a leading international BNPL provider, has expanded its footprint in Switzerland, offering consumers more flexible payment options across various retail sectors.
- New entrants are also entering the market to capitalize on the growing demand for BNPL services. ZoodPay, a point-of-sale financing platform, launched its BNPL solution in Switzerland in 2023, introducing installment-based payments as an alternative to credit cards. Additionally, financial institutions and fintech firms are exploring BNPL as part of their broader digital finance strategies, signaling continued expansion and innovation in the sector.
Recent Launches, Mergers, and Acquisitions
- The BNPL sector in Switzerland has seen notable developments aimed at enhancing service offerings and market reach. In 2023, ZoodPay, a point-of-sale financing platform, launched its BNPL solution in Switzerland, allowing consumers to purchase products and pay in monthly installments as an alternative to traditional credit cards.
- Additionally, the merger between UBS and Credit Suisse, finalized in June 2023, has significant implications for the alternative lending market, potentially reshaping the competitive dynamics within the sector.
Regulatory Changes
- In response to the rapid proliferation of BNPL services, Swiss regulatory authorities have taken steps to ensure consumer protection and financial stability. The Federal Consumer Credit Act (FCCA) applies to BNPL agreements, mandating that providers assess consumers’ creditworthiness and adhere to transparency requirements regarding terms and conditions. Recent updates to the FCCA have focused on preventing over-indebtedness among consumers, with stricter enforcement of responsible lending practices.
Companies Featured
- Twint
- Klarna
- PayPal
- Swissbilling
- AfterPay
- Byjuno
- RatePay
- HeidiPay
- ZoodPay
Key Attributes:
| Report Attribute | Details |
| No. of Pages | 88 |
| Forecast Period | 2025 – 2030 |
| Estimated Market Value (USD) in 2025 | $2.12 Billion |
| Forecasted Market Value (USD) by 2030 | $3.22 Billion |
| Compound Annual Growth Rate | 8.7% |
| Regions Covered | Switzerland |
Report Scope
This report provides in-depth, data-centric analysis of Buy Now Pay Later industry in Switzerland through 58 tables and 75 charts. Below is a summary of key market segments.
- Switzerland BNPL Market Size and Spending Pattern
- Switzerland Buy Now Pay Later Revenue Analysis
- Switzerland Buy Now Pay Later Operational KPIs & Statistics
- Switzerland BNPL by Purpose
- Switzerland BNPL by Business Model
- Switzerland BNPL by Merchant Ecosystem
- Switzerland BNPL by Distribution Model Analysis
- Switzerland Buy Now Pay Later Market Share Analysis by Key Players
- Switzerland BNPL Analysis by Channel
- Switzerland Buy Now Pay Later in Retail Shopping: Market Size and Forecast
- Switzerland Buy Now Pay Later in Home Improvement: Market Size and Forecast
- Switzerland Buy Now Pay Later in Travel: Market Size and Forecast
- Switzerland Buy Now Pay Later in Media and Entertainment: Market Size and Forecast
- Switzerland Buy Now Pay Later in Services: Market Size and Forecast
- Switzerland Buy Now Pay Later in Automotive: Market Size and Forecast
- Switzerland Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast
- Switzerland Buy Now Pay Later in Others: Market Size and Forecast
- Switzerland Buy Now Pay Later Analysis by Consumer Attitude and Behaviour
For more information about this report visit https://www.researchandmarkets.com/r/do9nu6
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- Swiss Buy Now Pay Later Market
