{"id":30171,"date":"2026-01-10T21:35:03","date_gmt":"2026-01-10T20:35:03","guid":{"rendered":"https:\/\/swipay.ch\/solutions-de-paiement\/modes-de-paiement\/"},"modified":"2026-05-21T08:58:15","modified_gmt":"2026-05-21T06:58:15","slug":"modes-de-paiement","status":"publish","type":"page","link":"https:\/\/swipay.ch\/fr\/solutions-de-paiement\/modes-de-paiement\/","title":{"rendered":"Modes de paiement"},"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(60deg, rgba(20,22,23,0.6) 0%,rgba(122,20,31,0.2) 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(60deg, rgba(20,22,23,0.6) 0%,rgba(122,20,31,0.2) 100%)\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-end fusion-flex-align-content-center 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_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:3%;--awb-padding-right:3%;--awb-padding-bottom:3%;--awb-padding-left:3%;--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:0px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--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-end fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-color3);--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:4rem;\"><h1 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"font-family:var(--awb-typography1-font-family);font-weight:var(--awb-typography1-font-weight);font-style:var(--awb-typography1-font-style);margin:0;letter-spacing:var(--awb-typography1-letter-spacing);text-transform:var(--awb-typography1-text-transform);font-size:1em;--fontSize:80;line-height:var(--awb-typography1-line-height);\">Modes de paiement<\/h1><\/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-justify-content-center 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 fusion-column-inner-bg-wrapper\" style=\"--awb-padding-top:5%;--awb-padding-right:5%;--awb-padding-bottom:5%;--awb-padding-left:5%;--awb-overflow:hidden;--awb-inner-bg-image:linear-gradient(180deg, var(--awb-color1) 20%,rgba(255,255,255,0) 100%);--awb-inner-bg-size:cover;--awb-border-color:var(--awb-color5);--awb-border-style:solid;--awb-border-radius:20px 20px 0px 0px;--awb-inner-bg-border-radius:20px 20px 0px 0px;--awb-inner-bg-overflow:hidden;--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\"><span class=\"fusion-column-inner-bg hover-type-zoomin\"><span class=\"fusion-column-anchor\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/span><\/span><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-2 fusion-sep-none fusion-title-text fusion-title-size-paragraph\" style=\"--awb-text-color:var(--awb-color5);--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:var(--awb-typography2-font-size);\"><p class=\"fusion-title-heading title-heading-left title-heading-tag fusion-responsive-typography-calculated\" style=\"font-family:var(--awb-typography2-font-family);font-weight:var(--awb-typography2-font-weight);font-style:var(--awb-typography2-font-style);margin:0;letter-spacing:var(--awb-typography2-letter-spacing);text-transform:var(--awb-typography2-text-transform);font-size:1em;--fontSize:28.8;line-height:var(--awb-typography2-line-height);\">Lorsqu&#8217;un client paie dans votre magasin,<\/p><\/div><div class=\"fusion-text fusion-text-1\"><p>il y a plus qu&#8217;un appareil et une carte derri\u00e8re. Il existe des cartes de d\u00e9bit qui pr\u00e9l\u00e8vent directement sur le compte, des cartes de cr\u00e9dit qui facturent mensuellement, des portefeuilles mobiles qui remplacent num\u00e9riquement une carte &#8211; et en Suisse, des moyens de paiement locaux suppl\u00e9mentaires que presque personne ne conna\u00eet ailleurs. <\/p>\n<p>Lesquels vous devriez accepter d\u00e9pendent de votre client\u00e8le, de votre secteur d&#8217;activit\u00e9 et de votre configuration.<\/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-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);\">Ce qu&#8217;on entend par &#8220;modes de paiement<\/h2><\/div><div class=\"fusion-text fusion-text-2\"><p>Un mode de paiement d\u00e9crit comment un paiement est d\u00e9clench\u00e9. Il ne s&#8217;agit pas de savoir quel appareil est utilis\u00e9 ou quel fournisseur est impliqu\u00e9, mais de savoir comment l&#8217;argent circule entre le client et l&#8217;entreprise. <\/p>\n<p>Les modes de paiement ne diff\u00e8rent pas seulement sur le plan technique. Ils se distinguent surtout par leur degr\u00e9 de familiarit\u00e9, la rapidit\u00e9 avec laquelle ils sont per\u00e7us et les situations dans lesquelles ils sont consid\u00e9r\u00e9s comme appropri\u00e9s. Ce sont pr\u00e9cis\u00e9ment ces diff\u00e9rences qui font qu&#8217;ils ont besoin d&#8217;\u00eatre expliqu\u00e9s.<\/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-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);\">Pourquoi il existe diff\u00e9rents modes de paiement<\/h2><\/div><div class=\"fusion-text fusion-text-3\"><p>Les modes de paiement ne naissent pas par hasard. Ils se d\u00e9veloppent \u00e0 partir de besoins : de s\u00e9curit\u00e9, de rapidit\u00e9, de simplicit\u00e9 ou de contr\u00f4le. Certaines formes se sont \u00e9tablies au fil des d\u00e9cennies, d&#8217;autres sont n\u00e9es de nouvelles habitudes.  <\/p>\n<p>Aucun mode de paiement n&#8217;est fondamentalement meilleur qu&#8217;un autre. Il r\u00e9pond \u00e0 un objectif pr\u00e9cis et convient donc mieux \u00e0 certaines situations qu&#8217;\u00e0 d&#8217;autres. Pour comprendre les modes de paiement, il ne faut pas les comparer, mais les classer.<\/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-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);\">Aper\u00e7u des modes de paiement<\/h2><\/div><div class=\"fusion-flip-boxes flip-boxes row fusion-columns-2 flip-effect-3d equal-heights\"><div class=\"fusion-flip-box-wrapper fusion-column col-lg-6 col-md-6 col-sm-6\"><div class=\"fusion-flip-box flip-right\" tabindex=\"0\"><div class=\"flip-box-inner-wrapper\"><div class=\"flip-box-front\" style=\"--awb-background-color-front:var(--awb-color5);--awb-title-front-color:var(--awb-color2);\"><div class=\"flip-box-front-inner\"><div class=\"flip-box-grafix flip-box-no-circle\"><i aria-hidden=\"true\" class=\"fa-credit-card far\"><\/i><\/div><h3 class=\"flip-box-heading without-text\">Modes de paiement bas\u00e9s sur les cartes<\/h3><\/div><\/div><div class=\"flip-box-back\" style=\"--awb-title-back-color:var(--awb-color2);--awb-text-back-color:var(--awb-color2);\"><div class=\"flip-box-back-inner\">\n<p>Les paiements par carte font aujourd&#8217;hui partie de la norme. Ils reposent sur un syst\u00e8me bien \u00e9tabli de cartes, de r\u00e9seaux et de banques et sont utilis\u00e9s dans les environnements fixes et num\u00e9riques. Leur force r\u00e9side dans leur large acceptation et leur utilisation famili\u00e8re.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-flip-box-wrapper fusion-column col-lg-6 col-md-6 col-sm-6\"><div class=\"fusion-flip-box flip-right\" tabindex=\"0\"><div class=\"flip-box-inner-wrapper\"><div class=\"flip-box-front\" style=\"--awb-background-color-front:var(--awb-custom_color_2);--awb-title-front-color:var(--awb-color2);\"><div class=\"flip-box-front-inner\"><div class=\"flip-box-grafix flip-box-no-circle\"><i aria-hidden=\"true\" class=\"fa-mobile-alt fas\"><\/i><\/div><h3 class=\"flip-box-heading without-text\">Paiement mobile et num\u00e9rique<\/h3><\/div><\/div><div class=\"flip-box-back\" style=\"--awb-background-color-back:var(--awb-custom_color_2);--awb-title-back-color:var(--awb-color2);--awb-text-back-color:var(--awb-color2);\"><div class=\"flip-box-back-inner\">\n<p>Les paiements mobiles d\u00e9clenchent le paiement via un terminal num\u00e9rique. Ils modifient moins le syst\u00e8me de paiement lui-m\u00eame que la mani\u00e8re de payer. La rapidit\u00e9 et la commodit\u00e9 sont ici au premier plan, en particulier dans les situations o\u00f9 la fr\u00e9quence est \u00e9lev\u00e9e.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-flip-box-wrapper fusion-column col-lg-6 col-md-6 col-sm-6\"><div class=\"fusion-flip-box flip-right\" tabindex=\"0\"><div class=\"flip-box-inner-wrapper\"><div class=\"flip-box-front\" style=\"--awb-background-color-front:var(--awb-color6);\"><div class=\"flip-box-front-inner\"><div class=\"flip-box-grafix flip-box-no-circle\"><i aria-hidden=\"true\" class=\"fa-money-bill-wave fas\"><\/i><\/div><h3 class=\"flip-box-heading without-text\">Modes de paiement classiques<\/h3><\/div><\/div><div class=\"flip-box-back\" style=\"--awb-background-color-back:var(--awb-color6);\"><div class=\"flip-box-back-inner\">\n<p>L&#8217;argent liquide, les virements ou les modes de paiement convenus font toujours partie de la vie quotidienne. Ils fonctionnent ind\u00e9pendamment de l&#8217;infrastructure technique ou compl\u00e8tent les formes num\u00e9riques l\u00e0 o\u00f9 les conditions personnelles ou juridiques jouent un r\u00f4le.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-flip-box-wrapper fusion-column col-lg-6 col-md-6 col-sm-6\"><div class=\"fusion-flip-box flip-right\" tabindex=\"0\"><div class=\"flip-box-inner-wrapper\"><div class=\"flip-box-front\" style=\"--awb-background-color-front:var(--awb-custom_color_1);\"><div class=\"flip-box-front-inner\"><div class=\"flip-box-grafix flip-box-no-circle\"><i aria-hidden=\"true\" class=\"fa-street-view fas\"><\/i><\/div><h3 class=\"flip-box-heading without-text\">Formes de paiement locales et sp\u00e9cifiques<\/h3><\/div><\/div><div class=\"flip-box-back\" style=\"--awb-background-color-back:var(--awb-custom_color_1);\"><div class=\"flip-box-back-inner\">\n<p>Des modes de paiement sp\u00e9cifiques se sont \u00e9tablis sur certains march\u00e9s ou secteurs. Ils r\u00e9sultent d&#8217;habitudes r\u00e9gionales ou d&#8217;exigences sp\u00e9cifiques et sont souvent pertinents l\u00e0 o\u00f9 les clients attendent de la familiarit\u00e9.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/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-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-6 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);\">Tous les types de paiement ne sont pas pertinents pour chaque entreprise<\/h2><\/div><div class=\"fusion-text fusion-text-4\"><p>De nouveaux termes et de nouvelles formes apparaissent constamment dans le domaine des paiements, de BNPL \u00e0 SoftPOS. Tous n&#8217;ont pas de sens pour votre entreprise. L&#8217;essentiel n&#8217;est pas de proposer le plus grand nombre possible de modes de paiement, mais de conna\u00eetre les bons.  <\/p>\n<p>Un restaurateur \u00e0 Zurich a besoin d&#8217;autres solutions qu&#8217;un g\u00e9rant de boutique en ligne \u00e0 B\u00e2le &#8211; m\u00eame si les deux veulent &#8220;payer par carte&#8221;.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 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-6 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-7 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;--awb-font-size:var(--awb-typography1-font-size);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:var(--awb-typography1-font-family);font-weight:var(--awb-typography1-font-weight);font-style:var(--awb-typography1-font-style);margin:0;letter-spacing:var(--awb-typography1-letter-spacing);text-transform:var(--awb-typography1-text-transform);font-size:1em;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Classement final<\/h2><\/div><div class=\"fusion-text fusion-text-5\"><p>Les modes de paiement ne sont pas une comp\u00e9tition pour la nouveaut\u00e9. Ils refl\u00e8tent la fa\u00e7on dont les gens veulent payer &#8211; et la fa\u00e7on dont les entreprises r\u00e9agissent. <\/p>\n<p>Comprendre pourquoi il existe diff\u00e9rents types de paiement permet de prendre des d\u00e9cisions non pas en fonction des tendances, mais en fonction de la compr\u00e9hension. Et c&#8217;est pr\u00e9cis\u00e9ment cette compr\u00e9hension qui cr\u00e9e la s\u00e9r\u00e9nit\u00e9 dans le paiement.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 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-justify-content-flex-end 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-7 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--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-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-1 fusion-content-boxes-1 content-boxes-clean-vertical content-left content-boxes-icon-on-top\" style=\"--awb-body-color:var(--awb-color6);--awb-title-color:var(--awb-color5);--awb-iconcolor:var(--awb-color5);--awb-hover-accent-color:var(--awb-color5);--awb-circle-hover-accent-color:var(--awb-color5);--awb-item-margin-bottom:40px;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-iconcolor:var(--awb-color5);border-color:rgba(255,255,255,0);\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon link-type-text content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" href=\"..\/\" target=\"_self\"><div class=\"icon\"><span style=\"height:42px;width:42px;line-height:22px;border-color:rgba(255,255,255,0);border-width:1px;border-style:solid;background-color:var(--awb-color5);box-sizing:content-box;border-radius:10%;\"><i style=\"border-color:var(--awb-color5);border-width:1px;background-color:var(--awb-color1);box-sizing:content-box;height:40px;width:40px;line-height:40px;border-radius:10%;position:relative;top:auto;left:auto;margin:0;border-radius:10%;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-th-large fas circle-yes\"><\/i><\/span><\/div><h4 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h4_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Aper\u00e7u des solutions de paiement<\/h4><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Retour<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--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-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-1 fusion-content-boxes-2 content-boxes-clean-vertical content-left content-boxes-icon-on-top\" style=\"--awb-body-color:var(--awb-color6);--awb-title-color:var(--awb-color5);--awb-iconcolor:var(--awb-color5);--awb-hover-accent-color:var(--awb-color5);--awb-circle-hover-accent-color:var(--awb-color5);--awb-item-margin-bottom:40px;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-iconcolor:var(--awb-color5);border-color:rgba(255,255,255,0);\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon link-type-text content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" href=\"..\/kartenzahlungen\/\" target=\"_self\"><div class=\"icon\"><span style=\"height:42px;width:42px;line-height:22px;border-color:rgba(255,255,255,0);border-width:1px;border-style:solid;background-color:var(--awb-color5);box-sizing:content-box;border-radius:10%;\"><i style=\"border-color:var(--awb-color5);border-width:1px;background-color:var(--awb-color1);box-sizing:content-box;height:40px;width:40px;line-height:40px;border-radius:10%;position:relative;top:auto;left:auto;margin:0;border-radius:10%;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-arrow-right fas circle-yes\"><\/i><\/span><\/div><h4 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h4_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Paiements par carte<\/h4><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Page suivante<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":30159,"menu_order":21,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-30171","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Modes de paiement | SwiPay AG | Schweiz<\/title>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Modes de paiement\" \/>\n<meta property=\"og:url\" content=\"https:\/\/swipay.ch\/fr\/solutions-de-paiement\/modes-de-paiement\/\" \/>\n<meta property=\"og:site_name\" content=\"SwiPay AG | Schweiz\" 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