{"id":819,"date":"2025-11-29T15:39:38","date_gmt":"2025-11-29T14:39:38","guid":{"rendered":"https:\/\/schweiz.blog\/?p=819"},"modified":"2026-03-19T14:24:45","modified_gmt":"2026-03-19T13:24:45","slug":"methodes-de-paiement-twint-suisse","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/fr\/twint-schweiz-bezahlmethoden\/","title":{"rendered":"Paiement par carte bancaire ou en esp\u00e8ces ? Voici comment les Suisses paient r\u00e9ellement."},"content":{"rendered":"<p class=\"wp-block-paragraph\">Peu de pays en Europe pr\u00e9sentent un paysage des paiements aussi unique que la Suisse. Twint est largement utilis\u00e9, l&#039;argent liquide reste populaire et les cartes de cr\u00e9dit sont indispensables. Cet article explique comment la Suisse paie r\u00e9ellement et quels syst\u00e8mes pr\u00e9dominent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Twint : La solution de paiement mobile suisse<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Twint est clairement l&#039;application de paiement dominante en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Raisons du succ\u00e8s\u00a0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>lien direct vers le compte<\/li>\n\n\n\n<li>Les codes QR sont disponibles partout<\/li>\n\n\n\n<li>Paiement facile entre amis<\/li>\n\n\n\n<li>profond\u00e9ment enracin\u00e9 dans le secteur du commerce de d\u00e9tail<\/li>\n\n\n\n<li>parfait pour les petites quantit\u00e9s<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Site officiel : <a href=\"https:\/\/www.twint.ch\" target=\"_blank\" rel=\"noopener\">https:\/\/www.twint.ch<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Cartes de cr\u00e9dit\u00a0: indispensables en ligne et \u00e0 l\u2019international<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En Suisse, les cartes de cr\u00e9dit sont particuli\u00e8rement importantes pour\u00a0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Achats en ligne<\/li>\n\n\n\n<li>H\u00f4tels et voyages<\/li>\n\n\n\n<li>services internationaux<\/li>\n\n\n\n<li>abonnements r\u00e9currents<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Fournisseurs populaires\u00a0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Visa<\/li>\n\n\n\n<li>MasterCard<\/li>\n\n\n\n<li>American Express<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Portails de comparaison de cartes de cr\u00e9dit\u00a0:<br><a href=\"https:\/\/www.moneyland.ch\" target=\"_blank\" rel=\"noopener\">https:\/\/www.moneyland.ch<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">L&#039;argent liquide restera pr\u00e9sent \u2013 malgr\u00e9 la num\u00e9risation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La Suisse poss\u00e8de une forte culture de l&#039;argent liquide. Raisons\u00a0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>haute s\u00e9curit\u00e9<\/li>\n\n\n\n<li>Faire confiance \u00e0 l&#039;argent physique<\/li>\n\n\n\n<li>population \u00e2g\u00e9e<\/li>\n\n\n\n<li>La culture du pourboire<\/li>\n\n\n\n<li>petits commerces qui pr\u00e9f\u00e8rent les esp\u00e8ces<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Informations sur la masse mon\u00e9taire :<br><a href=\"https:\/\/www.snb.ch\" target=\"_blank\" rel=\"noopener\">https:\/\/www.snb.ch<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Cartes sans contact\u00a0: la norme silencieuse<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Presque toutes les cartes de d\u00e9bit et de cr\u00e9dit prennent en charge le paiement sans contact\u00a0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>transactions rapides<\/li>\n\n\n\n<li>forte acceptation<\/li>\n\n\n\n<li>Cela fonctionne \u00e9galement sans application.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Exemples :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Carte de d\u00e9bit Mastercard<\/li>\n\n\n\n<li>Carte de d\u00e9bit Visa<\/li>\n\n\n\n<li>Carte PostFinance<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Comment la Suisse r\u00e9mun\u00e8re r\u00e9ellement (tendances)<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Twint<\/strong> Elle domine les petites sommes, la vie quotidienne et les transactions entre particuliers.<\/li>\n\n\n\n<li><strong>cartes de cr\u00e9dit<\/strong> Le commerce en ligne et les voyages dominent.<\/li>\n\n\n\n<li><strong>Cartes de d\u00e9bit<\/strong> elles deviennent de plus en plus importantes (en particulier les cartes de d\u00e9bit Visa et Mastercard).<\/li>\n\n\n\n<li><strong>esp\u00e8ces<\/strong> Cela reste pertinent, surtout en dehors des villes.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Tendances futures<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cartes d&#039;identit\u00e9 num\u00e9riques pour les transactions de paiement<\/li>\n\n\n\n<li>Int\u00e9gration des titres de transport public dans les applications de paiement<\/li>\n\n\n\n<li>paiements d&#039;abonnement Twint<\/li>\n\n\n\n<li>De plus en plus de commer\u00e7ants sans esp\u00e8ces<\/li>\n\n\n\n<li>Apple Pay et Google Pay se r\u00e9pandent<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La Suisse poss\u00e8de un syst\u00e8me de paiement unique\u00a0: Twint est omnipr\u00e9sent au quotidien, les cartes de cr\u00e9dit dominent les transactions en ligne et l\u2019argent liquide demeure un \u00e9l\u00e9ment essentiel. Ce m\u00e9lange de tradition et de technologie caract\u00e9rise le syst\u00e8me de paiement suisse.<\/p>","protected":false},"excerpt":{"rendered":"Kaum ein anderes Land in Europa hat eine so besondere Zahlungslandschaft wie die Schweiz. Twint ist weit verbreitet,&hellip;","protected":false},"author":274216737,"featured_media":816,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_page_reading_time":"","csco_page_toc_navigation":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"csco_post_video_bg_volume":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2724,2723],"tags":[2944,2947,2948,2945,2946],"class_list":{"0":"post-819","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-alltag","8":"category-schweiz","9":"tag-bargeld-schweiz","10":"tag-bezahlen-schweiz","11":"tag-mobile-payment-schweiz","12":"tag-twint-schweiz","13":"tag-twint-vs-kreditkarte","14":"cs-entry","15":"cs-video-wrap"},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/schweiz.blog\/wp-content\/uploads\/2025\/11\/20251129_1536_Minimalistische-Zahlungsmethoden-Illustration_simple_compose_01kb80mfb0f2erayhqsdpftdh2.png?fit=1536%2C1024&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pgWLwP-dd","_links":{"self":[{"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/posts\/819","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/comments?post=819"}],"version-history":[{"count":2,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/posts\/819\/revisions"}],"predecessor-version":[{"id":821,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/posts\/819\/revisions\/821"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/media\/816"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/media?parent=819"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/categories?post=819"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/fr\/wp-json\/wp\/v2\/tags?post=819"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}