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Payment Trends 2025: What the Swiss Payment Monitor Means for Your Online Shop

The new Swiss Payment Monitor 2025 brings surprising insights: Mobile payments have become the dominant payment method, while Swiss consumer behavior continues to digitize. What does this mean for your online shop?

The Revolution is Here: Mobile Payments Dominate the Market

The latest figures from the Swiss Payment Monitor 2025 show a clear turning point: Mobile payments have conquered the top position with 30.7% of all transactions and are significantly ahead of debit cards (24.4%) and cash (24.2%).

Particularly impressive: The share of "mobile payers" – people who handle more than 75% of their payments via mobile – has almost doubled from 7.6% to 14.4%. This shows not just occasional use, but a fundamental behavioral change among Swiss consumers.

What You Need to Know as an Online Shop Owner

1. Apple Pay is Gaining Massive Importance

One of the most surprising developments: Apple Pay increased its share in mobile payment solutions from 12.5% to 16.4%. This is particularly relevant since Apple Pay is primarily used in online commerce, where many shops aren't optimally prepared yet.

Action recommendation: Apple Pay shows strong growth and is available as a native payment option on both Shopify and Wix - simple activation in the shop settings is enough.

2. Twint Remains the Undisputed Leader

With 66.7% of all mobile payments, Twint continues to dominate the Swiss market. Interesting: In distance commerce (online retail), Twint even reaches 70.2% of all mobile transactions.

This dominance makes Twint integration an absolute priority for every Swiss online shop – this can be implemented seamlessly with Pend.

3. Credit Cards Experience a Revival – But Differently Than Expected

Surprising: Credit cards show significant increases in both transaction shares and revenue. However, the reason isn't traditional card usage, but increased use as a billing product for mobile payments.

Industry-Specific Insights for Online Shops

Transaction Amount Influences Payment Method Choice

The Monitor shows clear patterns in payment method choice by transaction amount:
  • Under 50 CHF: Mobile payments and debit cards dominate
  • 50-500 CHF: Balanced distribution among all payment methods
  • Over 500 CHF: Invoices (25.4%) and credit cards (27.1%) are preferred
Practical implementation: Optimize your checkout design to prominently feature appropriate payment options based on cart value.

Invoices Remain Relevant for Large Amounts

Despite digitization: For amounts over 500 CHF, invoices are the second most popular payment method at 25.4%. Reasons include liquidity considerations and security needs for larger purchases.

Concrete Action Recommendations for 2025

1. Mobile Checkout Determines Success or Failure

With 69.1% of all online transactions already processed via mobile, your checkout process must be perfectly optimized for mobile devices.

Checklist:
  • ✅ One-click payments via Apple Pay/Google Pay
  • ✅ Seamless Twint integration
  • ✅ Optimized input fields for touch operation
  • ✅ Minimized checkout steps

2. The Right Payment Method Mix Strategy

Based on current data, we recommend the following prioritization:

Must-have (Top Priority):
  • Twint (66.7% of mobile payments)
  • Credit and debit cards (Visa/Mastercard)
  • Invoice with installment payment - for amounts over 500 CHF, the second most popular payment method (25.4%)
High-Growth Additions:
  • Apple Pay (strong growth, 16.4% of mobile payments)
  • Google Pay (for Android users)
  • Samsung Pay (niche audience)

3. Don't Neglect Neobank Integration

39.1% of Swiss already use neobanks – trend increasing. The top 3 are:
  • Revolut (17.1%)
  • Neon (11.4%)
  • Yuh (11.1%)
These users often expect special payment options or particularly smooth mobile checkout processes. For Shopify shops, direct Revolut integration offers an opportunity to optimally serve this growing target group.

The Cash Paradox and What It Means for Online Shops

An interesting finding: While cash naturally plays no role in online purchases, the increasing rejection of potential cash abolition (70.4% against) shows some skepticism toward purely digital solutions.
Implication: Trust and security remain central factors. Actively communicate the security measures of your payment processing.

Technical Integration with Pend: Key Payment Methods Covered

With Pend, you can directly implement the central insights from the Payment Monitor. Our platform supports the most important payment methods:
  • Twint - the undisputed Swiss market leader (66.7% of mobile payments)
  • Purchase on invoice - essential for higher amounts (25.4% for purchases over 500 CHF)
  • Credit and debit cards - the classic favorites with new growth
  • PostFinance - still an important option for many Swiss
Seamless integration into Shopify and Wix with transparent pricing structure without hidden costs. While choosing the optimal payment method combination lies with your shop system, we provide the technical infrastructure for smooth processing.

Outlook: What's Coming in 2025?

The trends are clear:
  1. Further increase in mobile payments to over 35% of all transactions
  2. Apple Pay will overtake Google Pay and become the second force after Twint
  3. Neobank integration becomes a competitive advantage
  4. Voice Commerce and biometric authentication are coming

Conclusion: Act Now, Don't Wait

The Swiss Payment Monitor 2025 shows: The digitization of payments can no longer be stopped. Online shop operators who set the right course now benefit from:
  • Higher conversion rates through optimized payment options
  • Reduced abandonment rates at checkout
  • Future-proof infrastructure for further trends
  • Better user experience and thus customer loyalty
Ready for the payment future? Create your free Pend account today and implement modern payment methods directly in your Shopify or Wix shop.

This article is based on current insights from the Swiss Payment Monitor 2025 by ZHAW and University of St.Gallen. You can view the complete study here.

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