{"id":30144,"date":"2026-01-10T21:18:43","date_gmt":"2026-01-10T20:18:43","guid":{"rendered":"https:\/\/swipay.ch\/comprendre-le-paiement\/structures-de-couts\/"},"modified":"2026-01-13T12:22:45","modified_gmt":"2026-01-13T11:22:45","slug":"structures-de-couts","status":"publish","type":"page","link":"https:\/\/swipay.ch\/fr\/comprendre-le-paiement\/structures-de-couts\/","title":{"rendered":"Structures de co\u00fbts"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background fusion-parallax-none hundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling lazyload\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-image:linear-gradient(45deg, rgba(142,49,43,0.4) 0%,rgba(20,22,23,0.6) 100%);;--awb-background-size:cover;--awb-flex-wrap:wrap;\" data-bg=\"https:\/\/swipay.ch\/wp-content\/uploads\/2025\/07\/SwiPay_Netzwerk.jpg\" data-bg-gradient=\"linear-gradient(45deg, rgba(142,49,43,0.4) 0%,rgba(20,22,23,0.6) 100%)\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-align-content-center fusion-flex-justify-content-flex-end fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-reading-box-container reading-box-container-1\" style=\"--awb-title-color:var(--awb-color5);--awb-margin-top:4%;--awb-margin-bottom:20px;\"><div class=\"reading-box\" style=\"background-color:rgba(249,249,251,0.8);border-width:2px;border-color:rgba(226,226,226,0);border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><h2>Structures de co\u00fbts dans le paiement<\/h2><div class=\"reading-box-description fusion-reading-box-additional\">Les co\u00fbts de paiement sont souvent difficiles \u00e0 appr\u00e9hender au quotidien. Les factures contiennent des \u00e9l\u00e9ments qui ne sont pas imm\u00e9diatement identifiables et les comparaisons entre les fournisseurs sont rarement claires. De nombreuses entreprises savent ce qu'elles paient, mais pas toujours pour quoi exactement.  <\/div><div class=\"reading-box-additional\">\n<p>Cela n&#8217;est pas tant d\u00fb \u00e0 un manque de transparence de la part des diff\u00e9rents acteurs qu&#8217;\u00e0 la structure m\u00eame du syst\u00e8me. Les co\u00fbts de paiement ne sont pas g\u00e9n\u00e9r\u00e9s en un seul endroit, mais se composent de plusieurs \u00e9l\u00e9ments.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:2%;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><nav class=\"fusion-breadcrumbs awb-yoast-breadcrumbs fusion-breadcrumbs-1\" style=\"--awb-alignment:center;--awb-text-color:var(--awb-color6);--awb-current-page-color:var(--awb-color5);--awb-separator-color:var(--awb-color4);--awb-breadcrumb-sep:&#039;\/&#039;;text-align:center;\" aria-label=\"Breadcrumb\"><span><span><a href=\"https:\/\/swipay.ch\/fr\/\">SwiPay<\/a><\/span><\/span><\/nav><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;flex-grow:10;margin-top:2%;margin-bottom:2%;width:100%;max-width:95%;\"><div class=\"fusion-separator-border sep-shadow\" style=\"--awb-height:20px;--awb-amount:20px;background:radial-gradient(ellipse at 50% -50% , var(--awb-color3) 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-webkit-radial-gradient(ellipse at 50% -50% , var(--awb-color3) 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-moz-radial-gradient(ellipse at 50% -50% , var(--awb-color3) 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-o-radial-gradient(ellipse at 50% -50% , var(--awb-color3) 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);\"><\/div><\/div><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Pourquoi les co\u00fbts de paiement semblent si complexes<\/h2><\/div><div class=\"fusion-text fusion-text-1\"><p>Un paiement ne consiste pas seulement en une op\u00e9ration technique. Il passe par diff\u00e9rentes \u00e9tapes, est v\u00e9rifi\u00e9, transmis, s\u00e9curis\u00e9 et r\u00e9gl\u00e9. Chacun de ces niveaux implique ses propres co\u00fbts.  <\/p>\n<p>Ces co\u00fbts ont \u00e9volu\u00e9 au fil du temps, sont r\u00e9glement\u00e9s au niveau international et sont en partie fixes. Ils ne peuvent pas \u00eatre modifi\u00e9s ou regroup\u00e9s \u00e0 volont\u00e9. Il en r\u00e9sulte une structure de co\u00fbts qui est correcte &#8211; mais qui doit \u00eatre expliqu\u00e9e.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Quelles sont les principales cat\u00e9gories de co\u00fbts ?<\/h2><\/div><div class=\"fusion-text fusion-text-2\"><p>Diff\u00e9rents types de co\u00fbts apparaissent dans le paiement et sont souvent per\u00e7us de mani\u00e8re confuse. Il s&#8217;agit entre autres de <\/p>\n<ul>\n<li>Co\u00fbts impos\u00e9s par les cartes et les r\u00e8glements<\/li>\n<li>Frais de gestion financi\u00e8re<\/li>\n<li>R\u00e9mun\u00e9ration des prestations et services techniques<\/li>\n<\/ul>\n<p>Ces \u00e9l\u00e9ments ont des causes diff\u00e9rentes et des possibilit\u00e9s d&#8217;influence diff\u00e9rentes. Ce n&#8217;est qu&#8217;en les consid\u00e9rant s\u00e9par\u00e9ment que l&#8217;on peut comprendre pourquoi les co\u00fbts totaux peuvent se composer de mani\u00e8re si diff\u00e9rente.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Pourquoi les comparaisons sont souvent trompeuses<\/h2><\/div><div class=\"fusion-text fusion-text-3\"><p>Les co\u00fbts de paiement sont souvent compar\u00e9s \u00e0 l&#8217;aide de pourcentages. Cela semble simple, mais masque des relations importantes. Les diff\u00e9rents mod\u00e8les de facturation, modes de paiement et profils d&#8217;utilisation font qu&#8217;un m\u00eame pourcentage peut avoir des effets tr\u00e8s diff\u00e9rents dans la pratique.  <\/p>\n<p>Une comparaison hors contexte ne veut donc pas dire grand-chose. Elle montre une valeur, mais pas la structure qui la sous-tend. C&#8217;est pr\u00e9cis\u00e9ment l\u00e0 que na\u00eet le sentiment de manque de transparence &#8211; bien que les diff\u00e9rents \u00e9l\u00e9ments soient tout \u00e0 fait explicables.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Ce que vous pouvez influencer &#8211; et ce que vous ne pouvez pas influencer<\/h2><\/div><div class=\"fusion-text fusion-text-4\"><p>Tous les frais de paiement ne sont pas n\u00e9gociables. Certains frais sont inh\u00e9rents au syst\u00e8me et s&#8217;appliquent de la m\u00eame mani\u00e8re \u00e0 tous les acteurs du march\u00e9. D&#8217;autres \u00e9l\u00e9ments d\u00e9pendent de la configuration, du comportement d&#8217;utilisation ou des accords contractuels.  <\/p>\n<p>Comprendre les co\u00fbts fixes et la marge de man\u0153uvre permet de prendre des d\u00e9cisions plus \u00e9clair\u00e9es. Tout \u00e9cart n&#8217;est pas forc\u00e9ment un inconv\u00e9nient &#8211; et toute \u00e9conomie n&#8217;est pas forc\u00e9ment judicieuse.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:2%;--awb-padding-right:2%;--awb-padding-bottom:2%;--awb-padding-left:2%;--awb-overflow:hidden;--awb-bg-color:var(--awb-color3);--awb-bg-color-hover:var(--awb-color3);--awb-bg-size:cover;--awb-border-radius:20px 20px 20px 20px;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Classement final<\/h2><\/div><div class=\"fusion-text fusion-text-5\"><p>Les co\u00fbts de paiement ne peuvent pas \u00eatre r\u00e9duits \u00e0 un seul chiffre. Ils sont le r\u00e9sultat d&#8217;un syst\u00e8me dans lequel de nombreux r\u00f4les interagissent. La transparence ne r\u00e9sulte pas de la simplification, mais de la classification.  <\/p>\n<p>Savoir comment se composent les co\u00fbts permet de lire les factures plus sereinement et de prendre des d\u00e9cisions en connaissance de cause. Non pas pour tout optimiser. Mais pour comprendre ce que l&#8217;on paie &#8211; et pourquoi.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":30111,"menu_order":15,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-30144","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.5 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Structures de co\u00fbts | SwiPay AG | Schweiz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/swipay.ch\/fr\/comprendre-le-paiement\/structures-de-couts\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Structures de co\u00fbts\" \/>\n<meta property=\"og:url\" content=\"https:\/\/swipay.ch\/fr\/comprendre-le-paiement\/structures-de-couts\/\" \/>\n<meta property=\"og:site_name\" content=\"SwiPay AG | Schweiz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/swipay.payment\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-13T11:22:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/swipay.ch\/wp-content\/uploads\/2026\/03\/SwiPay_Logo_1200x675.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"41 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/comprendre-le-paiement\\\/structures-de-couts\\\/\",\"url\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/comprendre-le-paiement\\\/structures-de-couts\\\/\",\"name\":\"Structures de co\u00fbts | SwiPay AG | Schweiz\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/#website\"},\"datePublished\":\"2026-01-10T20:18:43+00:00\",\"dateModified\":\"2026-01-13T11:22:45+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/comprendre-le-paiement\\\/structures-de-couts\\\/#breadcrumb\"},\"inLanguage\":\"fr-CH\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/swipay.ch\\\/fr\\\/comprendre-le-paiement\\\/structures-de-couts\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/comprendre-le-paiement\\\/structures-de-couts\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"SwiPay\",\"item\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Comprendre le paiement\",\"item\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/comprendre-le-paiement\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Structures de co\u00fbts\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/\",\"name\":\"SwiPay AG | Schweiz\",\"description\":\"DAS BEZAHLNETZWERK\",\"publisher\":{\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/#organization\"},\"alternateName\":\"SwiPay\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-CH\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/#organization\",\"name\":\"SwiPay AG\",\"alternateName\":\"SwiPay\",\"url\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CH\",\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/swipay.ch\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/SwiPay_Waben_696x696.png\",\"contentUrl\":\"https:\\\/\\\/swipay.ch\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/SwiPay_Waben_696x696.png\",\"width\":696,\"height\":696,\"caption\":\"SwiPay AG\"},\"image\":{\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/swipay.payment\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/swipay-ag\\\/\",\"https:\\\/\\\/www.instagram.com\\\/swipay.payment\",\"https:\\\/\\\/www.wikidata.org\\\/wiki\\\/Q138841910\"],\"description\":\"SwiPay ist das unabh\u00e4ngige BEZAHLNETZWERK f\u00fcr den D-A-CH-Handel. 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