A detailed description of Swatch Pay Set it up directly on The link will open in a new window swatch.com.
Swatch Pay
Pay anywhere with Swatch Pay
Enjoy contactless payment with style. With Swatch Pay you can pay for your purchases easily and securely with your Swatch. Add your PostFinance cards and enjoy innovative convenience with every transaction.
Swatch Pay: stylish and convenient payment
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Quick and contactless: pay in an instant without reaching for your wallet
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Stylish and secure: enjoy secure payment with a stylish Swatch
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Easy to link: connect your Swatch conveniently with your PostFinance account
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Ready to use anywhere: use Swatch Pay for contactless payment at all terminals worldwide
Set up PostFinance cards for Swatch Pay
In order to use your Swatch with payment function as a payment method, you first have to activate it and link it to your PostFinance card.
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Load up Swatch Pay Download the app and create an account
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Start the activation
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Select your Swatch Pay watch
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Add your PostFinance card
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Follow the instructions in the app and you’re all set!
To set up Swatch Pay you need:
- A Swatch equipped with Swatch Pay technology
- A PostFinance Card combined with Debit Mastercard or credit card
- The Swatch Pay app on your smartphone to register your watch and add your PostFinance cards
How to pay at a terminal with Swatch Pay
- Hold your Swatch near the NFC payment terminal (contactless card reader)
- The watch communicates with the terminal using near field communication (NFC) and initiates the payment
- The payment process is completed in seconds and you receive confirmation that the transaction has been successful
- For payments over a certain amount, additional verification can be required, such as entering a PIN on the terminal
Swatch Pay offers effective security through the use of a unique digital code instead of your card details, a secure chip in the watch, no saving of sensitive data, and the option to deactivate the payment function immediately in case of loss or theft. Additional authentication and contactless limits offer protection for larger transactions.
Security comparison: Swatch Pay vs physical card
| Feature | Swatch Pay | Physical card |
|---|---|---|
| Feature Data storage |
Swatch Pay No sensitive data stored on the watch |
Physical card Card data stored on the card itself |
| Feature Card data |
Swatch Pay Encrypted number |
Physical card Real card number |
| Feature More secure chip |
Swatch Pay More secure chip in the watch, protected against manipulation |
Physical card Some cards have chips but not all offer the same protection |
| Feature Possible uses |
Swatch Pay Only for contactless payments at NFC terminals |
Physical card Contactless and contact payments possible |
Our tip: check your transactions regularly and report any suspicious activity.
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Swatch Pay is an innovative payment method you can use to make contactless payments with selected Swatch watches. The watches use NFC technology to make transactions at compatible payment terminals.
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Swatch Pay uses a unique digital code linked to your bank card. After setting up your Swatch in the Swatch Pay app, your can hold your watch near NFC payment terminals to make quick and easy payments.
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You can use Swatch Pay wherever contactless payments are accepted. This includes numerous shops, restaurants, public transport and other places that have NFC payment terminals.
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Yes, Swatch Pay is secure. Swatch Pay uses tokenization to protect your card details, does not save any sensitive information on your watch and offers the option of deactivating the payment function immediately in the case of loss or theft.
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Swatch Pay is free of charge for users.
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A selection of Swatch watches that are equipped with NFC technology support Swatch Pay. These watches are available in various designs and are developed specially for making payments. Check out the current collection on the Swatch website or with authorized retailers.
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Yes, there are a few restrictions. You can only use Swatch Pay at NFC-capable payment terminals. There are also limitations for contactless payments depending on country and bank.
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You can manage your Swatch Pay account conveniently via the Swatch Pay app. In the app, you can add, edit or remove payment cards, view transactions, and deactivate the payment technology if you lose the watch.
