There is something to clarify first. Sofort is not an independent method but a bank-transfer payment owned by Klarna, and its brand is in the process of being consolidated into Pay Now by Klarna. It has long been used as an account-transfer-based online payment method in German-speaking countries such as Germany, Austria, and Switzerland, so the name is familiar to Swiss German-speaking consumers as well, but in Switzerland the nationally popular app TWINT already absorbs a large share of account-based payment demand. For a new integration, it is more reasonable to consider Klarna's full product lineup (Switzerland Klarna payment integration) rather than Sofort on its own.

For businesses that already operate Sofort in other European markets and want to extend the same setup to Switzerland, or those looking to unify the three German-speaking markets — Germany, Austria, and Switzerland — under a single payment configuration, the first priority is to confirm the current state of the brand transition and the scope of support during the consultation stage.

When a consumer selects Sofort (Pay Now), payment proceeds as a bank transfer, approved through their own online banking authentication. Since it does not go through a card network, the fee structure differs from cards, and the approved CHF amount is collected by Hecto Financial, then converted and settled to the Korean merchant in the currency chosen under contract — USD, KRW, or JPY.

Since the brand consolidation is ongoing, the first step is to confirm how support is provided within Klarna's product lineup rather than as a standalone Sofort integration. Please check the currently available configuration and the settlement and fee terms through a consultation with Hecto Financial.

• Business registration country

  Confirm whether a contract is possible on the basis of a domestic (Korean) business registration

• Sales channels

  The integration approach and priority vary depending on the composition of online sales channels, such as owned storefronts, open marketplaces, and mobile apps

• Product categories handled

  Advance confirmation is needed as to whether the products fall under industries restricted by Sofort's operator merchant policy

• Brand and regulatory check

  Switzerland is a non-EU regulatory jurisdiction overseen by FINMA. In addition, since Sofort is transitioning to Pay Now by Klarna, you need to confirm the brand shown at checkout and the integration approach as of the time of contract (see official sources below)

The settlement structure is the same as for other methods. Hecto Financial collects the consumer's CHF transfer amount, converts it, and pays the Korean merchant in the currency chosen under contract — USD, KRW, or JPY. Because it is bank-transfer based, the dispute structure differs from a card chargeback, and refunds are processed through a separate reverse-transfer procedure. The settlement cycle follows the contract terms.

• Swiss National Bank (SNB) / Swiss Financial Market Supervisory Authority (FINMA)Official information on the Swiss payment system and financial supervision. Where this page's content differs from actual regulations, the official source takes precedence.