Omnichannel payments in Swiss retail: click & collect, pop-up and boutique from a single source

Swiss boutiques, bookshops, and specialist stores sell online and on-site today – often using two different payment providers, two dashboards, and two payout frequencies. This costs time and clarity. An integrated omnichannel setup connects the webshop and the shop counter in a single solution: one contract, one payout, all channels.

This guide shows you exactly how omnichannel payments work for Swiss retailers – from Click & Collect to pop-up stores and brick-and-mortar shops with a webshop.

1. Why Omnichannel Is Relevant for Swiss Retailers Right Now

According to the Deloitte 2026 Retail Industry Global Outlook, 46% of retail executives prioritised the improvement of their omnichannel infrastructure as their key growth opportunity. In the Swiss context, there is an additional specific trigger: the retirement of Maestro in favour of Visa Debit and Mastercard Debit.

The Maestro card – for years the standard debit card in Switzerland – is being discontinued across Europe. Swiss merchants still running older POS terminals must switch to new devices. This transition is also the ideal opportunity to consolidate the online shop and the POS terminal under the same provider – thereby setting up omnichannel as a spin-off of the terminal migration.

Current terminals such as the Nexgo N6 and N86 natively support Visa Debit and Mastercard Debit. The debit card fee at the POS with Payrexx is 0.95% + EUR 0.15 (as of May 2026).

2. Typical Omnichannel Scenarios in Swiss Retail

Omnichannel does not necessarily imply a complex IT project for Swiss brick-and-mortar retailers. Most SMEs start with one of the following scenarios:

The decisive factor is not the complexity of the setup, but the connection behind it: all transactions from all channels must appear in the same overview and be aggregated into a single payout.

3. Click & Collect: Buy Online, Collect On-Site

Click & Collect is the first sensible omnichannel step for many Swiss retailers. Customers buy in the webshop, pay completely online – and collect the goods in the shop. For merchants, this means:

• No second payment terminal needed upon collection

• Fewer queues at the cash desk

• Pre-payment reduces the no-show rate for reservations

• Simplified stock keeping: what is paid for online is definitely sold

Technically, Click & Collect works via the webshop plugin (WooCommerce, Shopify, Shopware, etc.) in combination with Payrexx. Payment is made at the online checkout, the shop status changes to 'paid', and the order is simply handed over upon collection. The payout from the online purchase and any on-site purchases are bundled in the same weekly settlement.

4. Pop-up Stores and Temporary Points of Sale

Pop-up stores, Christmas market stalls, and temporary points of sale have specific requirements: rapid setup, no contract commitment for hardware, mobile solutions without fixed power outlets.

Tap to Pay as a Pop-up Solution

Tap to Pay turns an NFC-enabled Android smartphone (Android 8.1+) into a Lector de tarjetas. No terminal purchase, no terminal rental, no hardware shipping. The app is installed, connected to the Payrexx account, and payments can be accepted immediately. Supported payment methods: Visa, Mastercard, TWINT, Apple Pay, Google Pay, Samsung Pay.

Tap to Pay is available in all Payrexx plans – including the Free plan with no subscription costs. Transaction fees: debit card 0.95% + EUR 0.15, credit card 1.25% + EUR 0.15, TWINT 1.25%.

QR Pay as an Addition

A printed QR code on the sales counter allows TWINT payments without any hardware. Customers scan, the amount is confirmed, and the payment appears immediately in the Dashboard. This is the cheapest solution with no fixed costs for seasonal stalls.

Payment Links for Pre-orders

Merchants who accept orders before an event or a pop-up date can send Payment Links via email, Instagram, or WhatsApp. Customers pay in advance, giving merchants certainty regarding demand.

5. Brick-and-Mortar Store with Webshop: The Integrated Setup

The most common scenario in Swiss retail: a physical shop that also operates a webshop. Frequently, these two channels run via different providers – POS terminal from Worldline or SumUp, online payments via a different PSP. The outcome: duplicated fee structures, separated payouts, manual reconciliation.

An integrated setup with a single provider for online and POS resolves this:

To set this up, all you need is: a Payrexx Standard plan account (EUR 19/month), the webshop plugin (WooCommerce, Shopify, Shopware – all included), and a POS terminal (Nexgo N6 or N86, currently free, regularly EUR 25/month).

6. Maestro Retirement: What Swiss Retailers Should Do Now

The transition from Maestro to Visa Debit and Mastercard Debit affects all Swiss merchants with POS terminals. Older devices that only accept Maestro must be replaced. Merchants who use this switch as an opportunity can simultaneously:

• Switch to a new terminal supporting Visa Debit / Mastercard Debit / TWINT

• Consolidate their online channel and POS under the same provider

• Set up Tap to Pay as a free mobile extension

• Optimise their fee structure: debit cards (Maestro successors) cost 0.95% + EUR 0.15 – which is less than credit cards

Checklist: Setting Up Omnichannel Payments for Swiss Retailers

• Check existing POS terminals for Maestro compatibility

• Consolidate Online Shop and POS Terminal under a single payment provider?

• Enable Click & Collect: Connect the Webshop Plugin with Payrexx

• Enable TWINT on all channels (Online + POS + QR)

• Pop-up or seasonal business: Set up Tap to Pay on an Android device

• Establish a consolidated payout schedule (weekly or monthly)

• Vouchers and Gift Cards: Set up redeemability both online and on-site

• Review Dashboard reporting for all channels: one view for Online + POS

Payrexx offers Swiss retailers a complete omnichannel solution: webshop plugins (WooCommerce, Shopify, Shopware, MyCommerce, and more) starting from the Standard plan, POS terminals Nexgo N6/N86 (EUR 25/month, currently free), Tap to Pay for Android without hardware costs. TWINT, PostFinance Pay, Visa, Mastercard, and wallets via a single contract – with a consolidated Payout to your IBAN.