# CembraPay

## General Information

Purchase on Account with CembraPay is a proven and trusted payment method in Switzerland. With CembraPay’s invoice solution, your customers can receive and inspect their orders before paying – either immediately or in up to three installments within 90 days. All this is offered with no interest or additional fees.

This not only increases your average order value and conversion rate, but also builds trust in your business – without exposing you to payment default risk.

CembraPay was formed through the merger of Swissbilling and Byjuno, and is part of Cembra Money Bank, which has been listed on the SIX Swiss Exchange since 2013.

### Links

* CembraPay [Website](https://cembrapay.ch/)

## Features

### Payment types

The following features are available in the Payrexx merchant administration panel:

* ✅ Invoice with instalment option
* ✅ One-time payment
* ✅ Instalment payment
* ✅ Refund
* ✅ Partial refund
* ❌ Recurring payments (subscription)
* ❌ Tokenization
* ❌ Pre-authorization

## Country Availability

CembraPay is exclusively available to merchants based in :flag\_ch: Switzerland and :flag\_li: Liechtenstein.

### Unsupported business models

Merchants operating in any of the following industries are not eligible to use CembraPay:

* Drugs (tobacco, CBD, and snus are permitted)
* Weapons and ammunition
* Gambling and betting
* Pornography

## Setup

Follow these steps to integrate CembraPay into Payrexx:

### Configuration of Payrexx

{% hint style="info" %}
Please note that you need to be [logged](https://login.payrexx.com/) into your Payrexx account before you begin. If you don't have an account yet, please [register](https://signup.payrexx.com/) with Payrexx.
{% endhint %}

* In the main menu of your Payrexx account, navigate to **Payment Providers**.
* Under "Alternative payment methods", click "Show".
* Next to CembraPay, click "Setup":

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FgzMx6N8Hb4seyuhdxSrO%2Fimage.png?alt=media&#x26;token=4a3257f3-f8f4-4e50-bc19-e2ed09e3d58c" alt=""><figcaption><p>Starting the integration of CembraPay into Payrexx</p></figcaption></figure></div>

* If you are already a customer of CembraPay, click "No, not now" in the next window and continue with the [CembraPay configuration](#configuration-of-cembrapay). If you are not yet a customer, click "Yes, I would like an offer" and proceed to [request a contract proposal](#requesting-a-contract-proposal):

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FPXjwgMCEmSPDTZKsPW5a%2Fimage.png?alt=media&#x26;token=1ec2df47-7638-4f88-88e0-e2ba8a3af70f" alt=""><figcaption><p>Option to request a contract offer from CembraPay</p></figcaption></figure></div>

#### Requesting a contract proposal

* Fill in all required fields and click the green button "Request offer now".
* CembraPay will contact you regarding the next steps.

#### Configuration of CembraPay

* Make the following configurations for CembraPay:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FU0CXUI3jRlW6Z06t5H6F%2Fimage.png?alt=media&#x26;token=a012bbab-2155-42b8-bb69-3828a1ad0b3f" alt=""><figcaption><p>CembraPay settings in Payrexx</p></figcaption></figure></div>

1. **Mode:** Select whether you want to operate CembraPay in live or [test mode](https://docs.payrexx.com/merchant/english/payment/testing).
2. **Productive Account Settings:** Enter the client ID and client secret for production mode if you wish to use CembraPay live.
3. **Test Account Settings:** Enter the client ID and client secret for test mode if you wish to use CembraPay in test mode.

Click the green "Save" button to complete the configuration.

{% hint style="success" %}
CembraPay is now successfully integrated into Payrexx.
{% endhint %}

## CembraPay in E-Commerce Plugins

The CembraPay payment method is supported by the following [e-commerce plugins](https://docs.payrexx.com/merchant/english/integration/e-commerce):

* ✅ [WooCommerce](https://docs.payrexx.com/merchant/english/integration/e-commerce/woocommerce)
* ✅ [Shopify](https://docs.payrexx.com/merchant/english/integration/e-commerce/shopify)
* ✅ [Shopware 6](https://docs.payrexx.com/merchant/english/integration/e-commerce/shopware-6)
* ✅ [Shopware 5](https://docs.payrexx.com/merchant/english/integration/e-commerce/shopware-5)
* ✅ [Magento 2](https://docs.payrexx.com/merchant/english/integration/e-commerce/magento-2)
* ✅ [PrestaShop](https://docs.payrexx.com/merchant/english/integration/e-commerce/prestashop)
* ✅ [MyCommerce](https://docs.payrexx.com/merchant/english/integration/e-commerce/mycommerce)
* ✅ [Ecwid](https://docs.payrexx.com/merchant/english/integration/e-commerce/ecwid)
* ✅ [Gambio](https://docs.payrexx.com/merchant/english/integration/e-commerce/gambio)
* ✅ [JTL Shop](https://docs.payrexx.com/merchant/english/integration/e-commerce/jtl-shop)

{% hint style="info" %}
The payment method is labeled as "Purchase on Account (CembraPay)" in the respective e-commerce platforms.
{% endhint %}


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