{"id":36888,"date":"2026-06-23T06:52:57","date_gmt":"2026-06-23T04:52:57","guid":{"rendered":"https:\/\/swipay.ch\/higher-margins-less-effort-swipay-and-the-liechtenstein-chamber-of-commerce-are-moving-forward-together\/"},"modified":"2026-06-26T07:22:46","modified_gmt":"2026-06-26T05:22:46","slug":"higher-margins-less-effort-swipay-and-the-liechtenstein-chamber-of-commerce-are-moving-forward-together","status":"publish","type":"post","link":"https:\/\/swipay.ch\/en\/higher-margins-less-effort-swipay-and-the-liechtenstein-chamber-of-commerce-are-moving-forward-together\/","title":{"rendered":"Higher Margins, Less Effort: SwiPay and the Liechtenstein Chamber of Commerce Are Moving Forward Together"},"content":{"rendered":"

The Liechtenstein Chamber of Commerce and SwiPay AG have entered into an official partnership\u2014with a clear goal: to finally give member companies back control over their payment processes.<\/strong><\/p>\n

Any merchant or service provider in Liechtenstein who accepts card payments knows the feeling: You know fees are involved. But exactly how much, why, and whether that\u2019s actually in line with market rates\u2014that usually remains a mystery. The bill arrives, you pay, and that\u2019s it.
\nThis is no coincidence. The card acceptance business is complex, there are many providers, and the fee structure\u2014with interchange fees, card scheme fees, and acquirer service fees\u2014isn\u2019t exactly designed to be understood at first glance. For owner-operated businesses that want to focus on their core operations, this is simply a problem.
\nThis is exactly where the new partnership between the Liechtenstein Chamber of Commerce and SwiPay comes in.<\/p>\n

What’s behind the partnership?<\/h3>\n

SwiPay is an independent payment network based in Switzerland. Its business model is as simple as it is rare: SwiPay advises, compares, and guides merchants in selecting the right payment solution\u2014without acting as a payment service provider itself. This means: no conflict of interest, no vendor lock-in, and no hidden commissions behind the scenes.
\nThe Liechtenstein Chamber of Commerce brings together its approximately 1,000 member companies from 27 industry associations\u2014retailers, tradespeople, service providers, and restaurateurs. These are businesses that process card payments on a daily basis and often simply don\u2019t have the time to systematically compare the market.
\nThe partnership now gives member companies privileged access to what SwiPay does best: simplifying complexity and bringing clarity.<\/p>\n

What You Get as a WKLi Member<\/h3>\n

We\u2019ve intentionally kept the entry barrier low. No initial consultation with unclear intentions, no product presentation that ends up going off on all sorts of tangents.
\nFree Payment Analysis:<\/strong> SwiPay reviews your current payment solution\u2014terms, fees, contract terms, and device setup. The result is a clear picture of what you\u2019re paying today and what\u2019s realistically possible.
\nPersonal Support:<\/strong> No call centers, no forms sent into the void. A dedicated contact person will guide you from the initial consultation through to commissioning\u2014and beyond.
\nIndependent advice:<\/strong> SwiPay is not affiliated with any provider. This means that our recommendations are based on your needs, not on sales commissions.
\nTransparent Terms:<\/strong> As a WKLi member, you benefit from standard terms that SwiPay has negotiated with acquirers and technology partners\u2014advantages that a single company would be unlikely to secure on its own.<\/p>\n

How the Payment System Really Works\u2014and Why You Should Know This<\/h3>\n

Every card payment processed by your business costs money. These costs\u2014known as a discount or merchant service charge\u2014consist of three parts:
\nInterchange Fee (ICF):<\/strong> The cardholder’s bank receives the largest share. This rate is regulated by the card organizations and is non-negotiable.
\nCard Scheme Fee (CSF):<\/strong> Visa, Mastercard, and others take their cut. These costs are also fixed.
\nAcquirer Service Fee (ASF):<\/strong> This is the part that\u2019s actually negotiable\u2014and this is exactly where the right partner makes all the difference. SwiPay negotiates framework terms for its merchants that result in fair ASF rates.
\nThat sounds technical\u2014and it is. But the point is: You don\u2019t have to figure it all out yourself. SwiPay does exactly that for you, shows you the breakdown, and explains where there\u2019s potential.<\/p>\n

Who Benefits from the Partnership<\/h3>\n

The partnership is designed for member companies of the Liechtenstein Chamber of Commerce\u2014that is, for companies that conduct business in the Principality and accept card payments or plan to do so.
\nThis offer is particularly relevant for:<\/p>\n