{"id":28111,"date":"2025-11-19T12:02:33","date_gmt":"2025-11-19T11:02:33","guid":{"rendered":"https:\/\/swipay.ch\/lausanne-montre-ce-qui-est-possible-des-conditions-equitables-pour-les-entreprises-locales-grace-a-une-force-commune\/"},"modified":"2026-03-16T20:36:09","modified_gmt":"2026-03-16T19:36:09","slug":"lausanne-montre-ce-qui-est-possible-des-conditions-equitables-pour-les-entreprises-locales-grace-a-une-force-commune","status":"publish","type":"post","link":"https:\/\/swipay.ch\/fr\/lausanne-montre-ce-qui-est-possible-des-conditions-equitables-pour-les-entreprises-locales-grace-a-une-force-commune\/","title":{"rendered":"Lausanne montre ce qui est possible : des conditions \u00e9quitables pour les entreprises locales gr\u00e2ce \u00e0 une force commune"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 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-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-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:calc( 1200px + 0px );margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-right:0px;--awb-padding-left:0px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:0px;--awb-width-medium:100%;--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:0px;--awb-spacing-left-small:0px;\" 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-text fusion-text-1\"><p>Les paiements \u00e9lectroniques font d\u00e9sormais partie du quotidien de toute entreprise. Mais plus la part des cartes augmente, plus les commer\u00e7ants ind\u00e9pendants ressentent une faiblesse structurelle : les commissions bancaires \u00e9lev\u00e9es r\u00e9duisent les marges, qui sont d\u00e9j\u00e0 \u00e9troites &#8211; en particulier pour les PME. C&#8217;est pr\u00e9cis\u00e9ment ce dont on discute en Suisse depuis des mois. Et c&#8217;est pr\u00e9cis\u00e9ment l\u00e0 que la coop\u00e9ration entre la SCCL et SwiPay intervient.   <\/p>\n<h3>Le point de d\u00e9part : un march\u00e9 en mouvement, mais une r\u00e9alit\u00e9 in\u00e9gale<\/h3>\n<p>La Commission f\u00e9d\u00e9rale de la concurrence (COMCO) a impos\u00e9 des baisses significatives des commissions interbancaires au cours des derni\u00e8res ann\u00e9es.<\/p>\n<ul>\n<li>Mastercard a accept\u00e9 un taux moyen de 0,12 % pour les cartes de d\u00e9bit en 2023.<\/li>\n<li>Visa a suivi en 2024 avec une r\u00e9duction \u00e0 environ 0,15%.<\/li>\n<li>Parall\u00e8lement, la COMCO examine une plainte d\u00e9pos\u00e9e par l&#8217;Association du commerce de d\u00e9tail contre Twint.<\/li>\n<\/ul>\n<p>Ces \u00e9volutions vont dans la bonne direction. Mais elles ne r\u00e9solvent pas le probl\u00e8me central :<br \/>\nLes grands d\u00e9taillants b\u00e9n\u00e9ficient depuis des ann\u00e9es de conditions nettement meilleures parce qu&#8217;ils peuvent n\u00e9gocier des volumes de transaction \u00e9lev\u00e9s. Ce n&#8217;est pas le cas des commer\u00e7ants individuels et ind\u00e9pendants. Ils paient souvent des taux plus \u00e9lev\u00e9s &#8211; tout simplement parce qu&#8217;ils n\u00e9gocient seuls.   <\/p>\n<h3>La d\u00e9marche de la SCCL : s&#8217;unir plut\u00f4t que se battre en solo<\/h3>\n<p>La Coop\u00e9rative des commer\u00e7ants lausannois (SCCL) a d\u00e9cid\u00e9 de ne plus accepter cette in\u00e9galit\u00e9 structurelle. Plut\u00f4t que d&#8217;attendre des changements r\u00e9glementaires, elle a uni la force \u00e9conomique de ses membres &#8211; et n\u00e9goci\u00e9 un accord-cadre avec SwiPay. <\/p>\n<p><strong>L&#8217;effet est \u00e9vident :<\/strong><br \/>\nLes membres de la SCCL b\u00e9n\u00e9ficient d&#8217;une <strong>r\u00e9duction d&#8217;<\/strong> au moins <strong>20 % des co\u00fbts de transaction, pouvant<\/strong> aller jusqu&#8217;\u00e0 50 % selon les profils. Ces baisses ont un effet imm\u00e9diat &#8211; et renforcent les marges, la comp\u00e9titivit\u00e9 et la stabilit\u00e9 entrepreneuriale dans le commerce lausannois. <\/p>\n<blockquote>\n<p>Anne-Lise Noz, pr\u00e9sidente de la SCCL, r\u00e9sume ainsi la situation :<br \/>\nAlors que la COMCO agit au niveau r\u00e9glementaire, nous avons choisi d&#8217;intervenir sur le terrain en regroupant la force \u00e9conomique de nos membres. Cet accord avec SwiPay montre qu&#8217;en regroupant leurs int\u00e9r\u00eats, les commer\u00e7ants peuvent obtenir des conditions \u00e9quivalentes \u00e0 celles des grandes marques. <\/p>\n<\/blockquote>\n<h3>Le r\u00f4le de SwiPay : ind\u00e9pendant, r\u00e9gional, clairement structur\u00e9<\/h3>\n<p>SwiPay permet \u00e0 la SCCL d&#8217;avoir une configuration de paiement qui est juste, pr\u00e9visible et ancr\u00e9e dans la r\u00e9gion. Pas de monopole international, pas de co\u00fbts cach\u00e9s, pas de d\u00e9pendance. L&#8217;accord est exclusif pour les membres SCCL &#8211; et rend visible pour la premi\u00e8re fois \u00e0 quel point les PME peuvent devenir fortes lorsqu&#8217;elles s&#8217;unissent dans le domaine des paiements.  <\/p>\n<p>Pour SwiPay, Lausanne est plus qu&#8217;un projet. C&#8217;est un mod\u00e8le qui montre comment les regroupements r\u00e9gionaux peuvent changer les r\u00e8gles du jeu : plus simples, plus transparents, plus pertinents sur le plan \u00e9conomique. <\/p>\n<h3>Un mod\u00e8le qui se pense plus loin<\/h3>\n<p>La SCCL pr\u00e9voit d&#8217;\u00e9tendre ce mod\u00e8le de n\u00e9gociation \u00e0 d&#8217;autres domaines, de l&#8217;assurance \u00e0 la finance en passant par la communication et les services. Le paiement a \u00e9t\u00e9 la premi\u00e8re \u00e9tape. D&#8217;autres suivront.  <\/p>\n<p>Et une perspective claire s&#8217;ouvre \u00e9galement pour d&#8217;autres r\u00e9gions :<br \/>\nLorsque les commer\u00e7ants locaux unissent leurs forces, ils obtiennent des conditions qui \u00e9taient auparavant r\u00e9serv\u00e9es aux grandes entreprises.<\/p>\n<h3>Un signal pour le commerce suisse<\/h3>\n<p>Lausanne prouve que des conditions de paiement \u00e9quitables ne doivent pas \u00eatre une th\u00e9orie. Elles naissent l\u00e0 o\u00f9 le commerce se rassemble, pense r\u00e9gionalement et utilise des solutions ind\u00e9pendantes. <\/p>\n<h4>Avec passion. Avec concentration. Avec vous.  <\/h4>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":28112,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[70],"tags":[171,214,190,88,212],"class_list":["post-28111","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avec-vous","tag-commerce-et-vente-au-detail","tag-donnees-insights","tag-innovation-dans-le-commerce","tag-paiement-d-a-ch","tag-simplifier-le-paiement-2"],"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>Lausanne montre ce qui est possible : des conditions \u00e9quitables pour les entreprises locales gr\u00e2ce \u00e0 une force commune | 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\/lausanne-montre-ce-qui-est-possible-des-conditions-equitables-pour-les-entreprises-locales-grace-a-une-force-commune\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lausanne montre ce qui est possible : des conditions \u00e9quitables pour les entreprises locales gr\u00e2ce \u00e0 une force commune\" \/>\n<meta property=\"og:url\" content=\"https:\/\/swipay.ch\/fr\/lausanne-montre-ce-qui-est-possible-des-conditions-equitables-pour-les-entreprises-locales-grace-a-une-force-commune\/\" \/>\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:published_time\" content=\"2025-11-19T11:02:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T19:36:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/swipay.ch\/wp-content\/uploads\/2025\/11\/2025_SwiPay-SCCL_Lausanne.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sven Leitl\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sven Leitl\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/lausanne-montre-ce-qui-est-possible-des-conditions-equitables-pour-les-entreprises-locales-grace-a-une-force-commune\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/lausanne-montre-ce-qui-est-possible-des-conditions-equitables-pour-les-entreprises-locales-grace-a-une-force-commune\\\/\"},\"author\":{\"name\":\"Sven Leitl\",\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/#\\\/schema\\\/person\\\/b341bd6e97b9e5d0eebb323175253cbc\"},\"headline\":\"Lausanne montre ce qui est possible : des conditions \u00e9quitables pour les entreprises locales gr\u00e2ce \u00e0 une force commune\",\"datePublished\":\"2025-11-19T11:02:33+00:00\",\"dateModified\":\"2026-03-16T19:36:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/lausanne-montre-ce-qui-est-possible-des-conditions-equitables-pour-les-entreprises-locales-grace-a-une-force-commune\\\/\"},\"wordCount\":1234,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/swipay.ch\\\/fr\\\/lausanne-montre-ce-qui-est-possible-des-conditions-equitables-pour-les-entreprises-locales-grace-a-une-force-commune\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/swipay.ch\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/2025_SwiPay-SCCL_Lausanne.jpg\",\"keywords\":[\"Commerce et vente au d\u00e9tail\",\"Donn\u00e9es &amp; 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