Swiss online retail is growing – and changing rapidly. The online retailer survey 2025 conducted by the FHNW School of Business clearly shows that technology, security and customer expectations are the key drivers – and payment is at the heart of this.

As the market expands, the demands on digital processes, data sovereignty and speed are increasing. For retailers, this means that payment is no longer just a billing issue, but a strategic success factor.

1. AI is here – but integration remains the challenge

   More than 80% of online retailers already use AI-supported tools, especially for product texts, translations and marketing. However, the bottleneck lies in connecting the systems: Data still rarely flows together seamlessly and interfaces remain complex. This is precisely where a new understanding of simplicity is emerging – also in payment.

   Technology must fit in, not dominate. And this is exactly what SwiPay aims to achieve: modern payment solutions that integrate into existing processes instead of creating new hurdles.

2. Trust becomes the most important currency factor

   One in two retailers cites data protection, fraud prevention and cyber security as key challenges. Customers expect transparency, stability and local responsibility – values that are increasingly important in times of global platforms.

   SwiPay relies on European security standards, Swiss servers and GDPR-compliant processes. This means that payment remains not only functional, but also trustworthy.

3. Payment must adapt – not you to payment

   New forms of payment, omnichannel experiences and automated bookings are changing the pace of retail. However, not every system is suitable for every company, and SwiPay takes a modular approach to payment. From the card terminal to the online interface, from the POS solution to the e-commerce checkout – everything fits together.

   Simple, secure, fair.
   So that you can concentrate on the essentials: your business.

4. Simplicity as a strategy

   Many retailers are struggling with scarce resources – time, personnel, budget. Today, a system that runs reliably is a real competitive advantage. SwiPay develops solutions that reduce technical complexity and create economic clarity: clear fee models, personal contacts, genuine plug-and-play integration.

   WITH PASSION for technology, WITH FOCUS on efficiency and WITH YOU at the center of every solution.

5. Conclusion: When payment works, business works

   The Online Retailer Survey 2025 confirms: Success is created at the interfaces – between people and technology, trust and innovation, AI and reality.

   Whoever creates simplicity here wins.
   And that is exactly what drives us at SwiPay:
   Payment solutions that fit in – instead of creating additional work.

Source:
Online retailer survey 2025, FHNW School of Business
Published by the Swiss Retail Association