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© 2026 cohaga AG · All Rights Reserved · St. Gallen, Switzerland · Imprint745,629 companies indexed · Last updated: today
DirectoryFinance & InsuranceDebt Collection AgenciesZurichCembraPay AG
CembraPay AG Logo
Verified· 4 sourcesTrust Score
Summary

About the company

The core activity of CembraPay is to provide modern payment and financing options for consumers and merchants in Switzerland. This includes, in particular: * Buy now, pay later * Installment purchases * Monthly invoices * Wallet solutions The company enables consumers to pay for their purchases in a simple, flexible and secure manner, while merchants can offer these payment options to their customers.

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Offering

Products & services

Industry:Debt Collection Agencies
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CembraPay AG

✓ Offered8
Purchase on account
Purchase on account for consumers and retailers, with the invoice sent by email or post, a QR payment slip and payment processing by CembraPay.
Purchase on instalments
Purchase on instalments in several monthly instalments, with an instalment plan, invoice dispatch and payment processing via CembraPay.
Monthly invoice
Monthly invoice for purchases with a partner, consolidated into a single monthly invoice for recurring purchases.
Credit check
Online and real-time credit decisions with dynamic limit management and fraud detection for assessing orders.
Invoice processing
Invoice processing via an invoice by email or a standard payment slip, including payment allocation and relief in dunning.
Payment guarantee
Payment guarantee with assumption of the risk of non-payment and payout of the goods value within the agreed period.
Customer service for buyers
Local customer service for buyers in the national languages commonly used, with support for invoices and payments.
POS solution
Proprietary POS solution for in-store retail to integrate invoice purchase and instalment payments at the point of sale.
Trust & reputation

ranQ Trust Score of CembraPay AG: 4.5 out of 5.0

Trust Score4.5/ 5.0

Excellent

x

Data basis 100% · As of October 2026

CembraPay AG scores 80.0 out of 100 points in the Reputation area of the ranQ Trust Score. This area carries 42% of the weighting.
x
CriterionValueWeight
  • Review quality: The average rating across all connected sources, smoothed against the industry mean. So 5.0 stars from three reviews do not outrank 4.7 from three hundred.65.024%
  • Review volume: The number of reviews across all sources. The scale is logarithmic: the first reviews count the most, and the maximum is reached at 50 reviews.100.010%
  • Review recency: The age of the most recent review. Two-year-old reviews deliberately sit in the middle, because that is normal for Swiss SMEs. Only after three years without a new voice does the value drop markedly.100.08%
CembraPay AG scores 95.8 out of 100 points in the Substance area of the ranQ Trust Score. This area carries 28% of the weighting.
x
CriterionValueWeight
  • Establishment: Years since founding or brand launch, logarithmic. The maximum is reached at 15 years.100.012%
  • Company size: The headcount band, researched by ranQ or stated by the company. It is scored in steps rather than by head count, because the data only provides bands.96.07%
CembraPay AG scores 86.7 out of 100 points in the Identity area of the ranQ Trust Score. This area carries 22% of the weighting.
x
CriterionValueWeight
  • Verification: Official register entry (commercial register with UID or professional-body record, 55 points), confirmed domain (20 points) and confirmed ranQ profile (up to 25 points, depending on completeness).86.722%
CembraPay AG scores 61.7 out of 100 points in the Visibility area of the ranQ Trust Score. This area carries 8% of the weighting.
x
CriterionValueWeight
  • Website authority: Ahrefs' Domain Rating measures, on a scale of 0 to 100, how strongly a website is linked from other websites. For Swiss SMEs the range up to 40 is typical; the maximum is reached at 35.100.04%
  • Media authority: Quality and number of editorial mentions, weighted by the importance of the source, plus the recency of the latest high-quality mention.23.34%
Qualifications+0.00

CembraPay AG reaches a ranQ Trust Score of 4.5 out of 5.0 — rated «Excellent». The rating draws, among other things, on 4.3 out of 5 stars from 6715 customer reviews. As of October 2026.

The Trust Score cannot be bought and is calculated from publicly verifiable data.

Reviews

Aggregated rating

Aggregated rating
4.3
of 5

Aggregated from 6715 reviews across all connected sources

Sources
GGoogle4.36715
★TrustpilotSoon
PProvenExpertSoon

Further sources are added continuously and factored into the ranQ Rating.

Press

Media

December 20, 2024Media
Sicherheitslücke bei SBB und Cembrapay – perfide Masche von Betrügern
blick.ch
December 18, 2024Media
Betrugsmasche: Massive Sicherheitslücke bei SBB und CembraPay aufgedeckt
blick.ch
November 27, 2024Media
Powerpay, Klarna und Cembra Pay: Vorsicht beim Kauf auf Rechnung
beobachter.ch

Knowledge

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Location

Hier entsteht die Karte
Bändliweg 20
8048 Zurich
Opening hours
Mon
08:00 - 12:00, 13:00 - 17:00
Tue
08:00 - 12:00, 13:00 - 17:00
Wed
08:00 - 12:00, 13:00 - 17:00
Thu
08:00 - 12:00, 13:00 - 17:00
Fri
08:00 - 12:00, 13:00 - 17:00
Sat
Closed
Sun
Closed

At a glance

Legal form
Corporation
UID
CHE-100.733.936
Founded
1986 · 40 years
Last commercial register change
June 18, 2026
Employees
101 to 500
Legal form: Graded by liability and disclosure. The weight is kept small: a sole proprietorship is not a dubious company, it is just liable differently.
100.0
6%
  • Branch offices: Branch offices linked in the commercial register. Having none is normal and costs no points.70.03%
    • Full methodology

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