Private round — Opens mid-June 2026

Invest in the local
payment revolution.

PimPay is opening a private funding round in mid-June 2026, in partnership with Oomnium. Be among the first to know when it opens — and join the early backers of the first true Swiss alternative to traditional payments.

Round structured in partnership withOomnium
↓ Read the pitch · Sign up at the bottom
The problem

Payments have quietly become
an invisible tax.

Every time a card is tapped or a QR code is scanned in Switzerland, a slice of the merchant's revenue evaporates into a chain of intermediaries — acquirers, issuers, schemes, processors — who all take their cut before the merchant sees a single franc.

The result: around CHF 1.6 billion siphoned out of the Swiss real economy every year. For the average merchant, that's roughly CHF 1,000 vanishing every month. Quietly, automatically, line by line on a statement few ever read.

76%
of Swiss transactions are now digital
CHF 1.6B
drained from local commerce yearly
CHF 1,000
lost per merchant, every month
The solution

The first true Swiss alternative
to traditional payments.

Not just another player in the existing chain. An entirely new architecture, built to bypass the intermediaries and redirect value back to those who actually create it: merchants and consumers.

For merchants
Zero transaction fees.
A transparent monthly subscription capped at CHF 29 replaces unpredictable percentage-based pricing. 95% to 99% in payment cost savings — straight back into the business. Plus a built-in marketing platform to turn every payment into a growth lever.
For consumers
An app that rewards paying.
Discounts, loyalty, round-up donations, local discovery, exclusive offers. Payment stops being a silent cost and becomes a value channel — for the cardholder and the merchant alike.
For Switzerland
A sovereign rail.
100% local payment infrastructure, regulated under the Swiss AML framework via SRO membership supervised by FINMA. A credible, regulated, durable alternative to international schemes.
PimPay app

Two engines, one app. A first in Switzerland.

No real equivalent in Europe.

Market & potential

A market ready to flip.

156k
target Swiss merchants generating 2.2B transactions/year
71%
of Swiss consumers actively want to shop local
CHF 43M
EBITDA targeted in Year 7, breakeven in Year 4
CHF 72M
revenue projected in Year 7 on 246M transactions
GE · VD · VS
June 2026 launch, nationwide ramp-up 2027–2028
EUR 6B
EU fee pool, 10M merchants — same pain point
Competitive advantage

Built to skip the chain
incumbents depend on.

When you tap your card at the bakery, a small army of intermediaries gets paid before the baker does. That's why payment fees in Switzerland sit stubbornly around 1.3%. PimPay was built to skip that chain entirely.

Merchant
PimPay
Consumer
No chain. No layers. No middlemen taking a cut.
01
Cost leadership
Direct connection between merchants and consumers via our own Swiss infrastructure. No acquirer, no issuer, no scheme. Credible zero transaction fees — and a model incumbents structurally cannot copy.
02
Merchant-led virality
Merchants are our primary acquisition channel. They onboard their own customers to escape the fees, riding the 'support local' wave no big player can credibly tap into.
03
Business enabler
Where competitors stop at moving money, PimPay actively generates revenue for merchants through visibility, targeted campaigns and loyalty tools. ARIF/FINMA-affiliated, AML-compliant.
The people behind

85+ years of combined
payments expertise.

PimPay founders
COO & CFO
André Renfer
Operations and compliance expert. 35 years in banking and entrepreneurship. Former member of the Executive Board at HBL, former CEO at Regiodeal.
CEO
Maxime Charbonnel
Strategy and digital expert. 30 years in banking and payments. Former CDO at BCV, launched BCV Twint in 2017. Former consultant at Oliver Wyman and Roland Berger.
CTO
Maxime Monod
IT expert. 20 years in banking and payments. PhD EPFL, founder of Twist Lab, co-founder and former CTO of micro-payment startup KiWi.
Roadmap

From Romandie to Europe.

2026
Implementation
Official launch in Geneva, Vaud and Valais. Quickly followed by Neuchâtel and Fribourg.
2027–2028
Ramp-Up
Nationwide expansion. NFC and online payments rollout. Series A.
2029–2030
Scale-Up
Open banking, instant payments, evolution into a true 'superapp' with booking and community features.
Post-2030
Europe
Phased expansion into the EU, leveraging the same merchant pain across the continent.
The business model

Predictable revenue,
built to compound.

Revenues come from a flat monthly subscription, tailored to each merchant's situation. Every plan includes zero transaction fees, payouts in under 48 hours, transaction round-up, the loyalty program and the social feed.

PimPay pricing plans
StarterCHF 0/mo
10 transactions/month
EvolutionCHF 9/mo
35 transactions/month + 1 free campaign
ProCHF 29/mo
Unlimited transactions + 2 free campaigns

Additional revenue comes from paid marketing campaigns (CHF 0.01 per targeted customer per day), giving us a second, usage-based growth lever on top of subscriptions.

Why invest

Six reasons to back
PimPay now.

01
Get in at the inflection point
PimPay goes live in Geneva, Vaud and Valais this June — the exact moment the merchant flywheel kicks in and nationwide media buzz scales.
02
A real return on a real opportunity
CHF 72M revenue and CHF 43M EBITDA targeted in Year 7, breakeven in Year 4. Swiss-first trajectory before opening to a EUR 6B European market.
03
An unfair advantage
Bypassing the acquirer/issuer/scheme chain creates a model legacy players structurally cannot replicate without dismantling their own economics.
04
A senior team with a track record
85+ combined years in banking and payments — including the launch of BCV Twint, executive-board experience at HBL, and multiple payment startups.
05
Traction that's already real
150+ merchants registered before launch, several hundred consumers already onboarded, nationwide coverage on RTS, Tages-Anzeiger, Le Matin Dimanche, 24heures, 20 Minuten.
06
A 100% Swiss play
Built, operated and regulated in Switzerland. At a moment when card schemes feel misaligned with local interests, PimPay offers a sovereign, locally-owned alternative.
Be part of it

Invest in the local
payment revolution.

The private round opens mid-June 2026, structured with Oomnium. Leave your email to be notified the moment it does — and get the full investment memorandum directly in your inbox.

Private round — Opens mid-June 2026

Invest in the local
payment revolution.

PimPay is opening a private funding round in mid-June 2026, in partnership with Oomnium. Be among the first to know when it opens — and join the early backers of the first true Swiss alternative to traditional payments.

Round structured in partnership withOomnium
↓ Read the pitch · Sign up at the bottom
The problem

Payments have quietly become
an invisible tax.

Every time a card is tapped or a QR code is scanned in Switzerland, a slice of the merchant's revenue evaporates into a chain of intermediaries — acquirers, issuers, schemes, processors — who all take their cut before the merchant sees a single franc.

The result: around CHF 1.6 billion siphoned out of the Swiss real economy every year. For the average merchant, that's roughly CHF 1,000 vanishing every month. Quietly, automatically, line by line on a statement few ever read.

76%
of Swiss transactions are now digital
CHF 1.6B
drained from local commerce yearly
CHF 1,000
lost per merchant, every month
The solution

The first true Swiss alternative
to traditional payments.

Not just another player in the existing chain. An entirely new architecture, built to bypass the intermediaries and redirect value back to those who actually create it: merchants and consumers.

For merchants
Zero transaction fees.
A transparent monthly subscription capped at CHF 29 replaces unpredictable percentage-based pricing. 95% to 99% in payment cost savings — straight back into the business. Plus a built-in marketing platform to turn every payment into a growth lever.
For consumers
An app that rewards paying.
Discounts, loyalty, round-up donations, local discovery, exclusive offers. Payment stops being a silent cost and becomes a value channel — for the cardholder and the merchant alike.
For Switzerland
A sovereign rail.
100% local payment infrastructure, regulated under the Swiss AML framework via SRO membership supervised by FINMA. A credible, regulated, durable alternative to international schemes.
PimPay app

Two engines, one app. A first in Switzerland.

No real equivalent in Europe.

Market & potential

A market ready to flip.

156k
target Swiss merchants generating 2.2B transactions/year
71%
of Swiss consumers actively want to shop local
CHF 43M
EBITDA targeted in Year 7, breakeven in Year 4
CHF 72M
revenue projected in Year 7 on 246M transactions
GE · VD · VS
June 2026 launch, nationwide ramp-up 2027–2028
EUR 6B
EU fee pool, 10M merchants — same pain point
Competitive advantage

Built to skip the chain
incumbents depend on.

When you tap your card at the bakery, a small army of intermediaries gets paid before the baker does. That's why payment fees in Switzerland sit stubbornly around 1.3%. PimPay was built to skip that chain entirely.

Merchant
PimPay
Consumer
No chain. No layers. No middlemen taking a cut.
01
Cost leadership
Direct connection between merchants and consumers via our own Swiss infrastructure. No acquirer, no issuer, no scheme. Credible zero transaction fees — and a model incumbents structurally cannot copy.
02
Merchant-led virality
Merchants are our primary acquisition channel. They onboard their own customers to escape the fees, riding the 'support local' wave no big player can credibly tap into.
03
Business enabler
Where competitors stop at moving money, PimPay actively generates revenue for merchants through visibility, targeted campaigns and loyalty tools. ARIF/FINMA-affiliated, AML-compliant.
The people behind

85+ years of combined
payments expertise.

PimPay founders
COO & CFO
André Renfer
Operations and compliance expert. 35 years in banking and entrepreneurship. Former member of the Executive Board at HBL, former CEO at Regiodeal.
CEO
Maxime Charbonnel
Strategy and digital expert. 30 years in banking and payments. Former CDO at BCV, launched BCV Twint in 2017. Former consultant at Oliver Wyman and Roland Berger.
CTO
Maxime Monod
IT expert. 20 years in banking and payments. PhD EPFL, founder of Twist Lab, co-founder and former CTO of micro-payment startup KiWi.
Roadmap

From Romandie to Europe.

2026
Implementation
Official launch in Geneva, Vaud and Valais. Quickly followed by Neuchâtel and Fribourg.
2027–2028
Ramp-Up
Nationwide expansion. NFC and online payments rollout. Series A.
2029–2030
Scale-Up
Open banking, instant payments, evolution into a true 'superapp' with booking and community features.
Post-2030
Europe
Phased expansion into the EU, leveraging the same merchant pain across the continent.
The business model

Predictable revenue,
built to compound.

Revenues come from a flat monthly subscription, tailored to each merchant's situation. Every plan includes zero transaction fees, payouts in under 48 hours, transaction round-up, the loyalty program and the social feed.

PimPay pricing plans
StarterCHF 0/mo
10 transactions/month
EvolutionCHF 9/mo
35 transactions/month + 1 free campaign
ProCHF 29/mo
Unlimited transactions + 2 free campaigns

Additional revenue comes from paid marketing campaigns (CHF 0.01 per targeted customer per day), giving us a second, usage-based growth lever on top of subscriptions.

Why invest

Six reasons to back
PimPay now.

01
Get in at the inflection point
PimPay goes live in Geneva, Vaud and Valais this June — the exact moment the merchant flywheel kicks in and nationwide media buzz scales.
02
A real return on a real opportunity
CHF 72M revenue and CHF 43M EBITDA targeted in Year 7, breakeven in Year 4. Swiss-first trajectory before opening to a EUR 6B European market.
03
An unfair advantage
Bypassing the acquirer/issuer/scheme chain creates a model legacy players structurally cannot replicate without dismantling their own economics.
04
A senior team with a track record
85+ combined years in banking and payments — including the launch of BCV Twint, executive-board experience at HBL, and multiple payment startups.
05
Traction that's already real
150+ merchants registered before launch, several hundred consumers already onboarded, nationwide coverage on RTS, Tages-Anzeiger, Le Matin Dimanche, 24heures, 20 Minuten.
06
A 100% Swiss play
Built, operated and regulated in Switzerland. At a moment when card schemes feel misaligned with local interests, PimPay offers a sovereign, locally-owned alternative.
Be part of it

Invest in the local
payment revolution.

The private round opens mid-June 2026, structured with Oomnium. Leave your email to be notified the moment it does — and get the full investment memorandum directly in your inbox.

Be notified

Don't miss the round opening.

Drop your email to be the first to hear when the private round opens with Oomnium. We'll send you the investment memorandum and access details directly.

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Private Swiss round
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Qualified investors
Opens June 2026

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