SwatchPAY!

Pay anywhere with SwatchPAY!
Set it up now

Enjoy contactless payment with style. With SwatchPAY! you can pay for your purchases easily and securely with your Swatch. Add your PostFinance cards and enjoy innovative convenience with every transaction.

SwatchPAY!: stylish and convenient payment

  • Quick and contactless: pay in an instant without reaching for your wallet

  • Stylish and secure: enjoy secure payment with a stylish Swatch

  • Easy to link: connect your Swatch conveniently with your PostFinance account

  • Ready to use anywhere: use SwatchPAY! for contactless payment at all terminals worldwide

Set up PostFinance cards for SwatchPAY!

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.

  • Load up SwatchPAY! Download the app and create an account
  • Start the activation
  • Select your SwatchPAY! watch
  • Add your PostFinance card
  • Follow the instructions in the app and you’re all set!

A detailed description of SwatchPAY! Set it up directly on The link will open in a new window swatch.com.

  • To set up SwatchPAY! you need:

    • A Swatch equipped with SwatchPAY! technology
    • A PostFinance Card combined with Debit Mastercard or credit card
    • The SwatchPAY! app on your smartphone to register your watch and add your PostFinance cards

  • How to pay at a terminal with SwatchPAY!

    • 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

  • SwatchPAY! 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: SwatchPAY! vs physical card

    FeatureSwatchPAY!Physical card
    Feature
    Data storage
    		 SwatchPAY!
    No sensitive data stored on the watch
    		 Physical card
    Card data stored on the card itself
    Feature
    Card data
    		 SwatchPAY!
    Encrypted number
    		 Physical card
    Real card number
    Feature
    More secure chip
    		 SwatchPAY!
    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
    		 SwatchPAY!
    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.

    • SwatchPAY! 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.

    • SwatchPAY! uses a unique digital code linked to your bank card. After setting up your Swatch in the SwatchPAY! app, your can hold your watch near NFC payment terminals to make quick and easy payments.

    • You can use SwatchPAY! wherever contactless payments are accepted. This includes numerous shops, restaurants, public transport and other places that have NFC payment terminals.

    • Yes, SwatchPAY! is secure. SwatchPAY! 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.

    • SwatchPAY! is free of charge for users.

    • A selection of Swatch watches that are equipped with NFC technology support SwatchPAY!. 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.

    • Yes, there are a few restrictions. You can only use SwatchPAY! at NFC-capable payment terminals. There are also limitations for contactless payments depending on country and bank.

    • You can manage your SwatchPAY! account conveniently via the SwatchPAY! app. In the app, you can add, edit or remove payment cards, view transactions, and deactivate the payment technology if you lose the watch.

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