/ 01
Merchants
One invoice, a customer abroad, a collection in francs or euros, and a month-end statement that actually reconciles.
Payment infrastructure from Zug
Money crosses borders.
The reason travels with it.
Card or bank transfer, SIC or SEPA. Which route it took, what it cost and when it was taken all land on one record.
Sample
Demo
Atelier Bern AG
CHF 48’200.00
from Linen Porto Lda
- Checkout open
- Route chosen
- Names screened
- Entry written
- Linen Porto LdaEUR 44’800.00
- Gateway feeCHF 120.00
The difference
Without, and with.
Five places where a cross-border payment reliably turns unpleasant today, and what is meant to happen instead at each one.
Without
With Newton Pay
Without
A timeout, a second click, two charges. The customer calls before the statement arrives.
With Newton Pay
The same reference returns the same entry. Sent twice does not mean paid twice.
Without
The fee is on the statement. The spread in the exchange rate is nowhere, and it is the larger item.
With Newton Pay
Collection, payout, the rate applied and the moment it was taken each get their own line. Whatever is deducted has a name.
Without
Month end: three statements from three systems, disagreeing on dates and on amounts.
With Newton Pay
One record per payment, from checkout to notice. Nobody has to hunt for the difference, it is written down.
Without
The name screen runs as a report the next morning. By then the money is long gone.
With Newton Pay
The screen sits before the instruction. A hit stops it, and a named person decides.
Without
The question “why did that go through in March?” ends in a chat log and some guesswork.
With Newton Pay
The list, its vintage and the responsible person are in the entry. Nothing is overwritten.
That is how the gateway is built.
What it does
Accept. Screen. Route. Record.
Four steps, one payment, one record that explains all four.
One page per invoice. Amount, currency and reference are set by the merchant.
Sample
Demo
Invoice NB-1042
Atelier Bern AG
CHF 48’200.00
Card
Bank transfer
Flow
Five steps, each one leaves a trace.
Checkout, screening, route, entry, notice. The reason for each step is written down while it happens, not reconstructed afterwards.
/ 01
Checkout
Amount, currency and a reference the merchant sets.
/ 02
Screen
Payer and beneficiary against the lists, before any money moves.
/ 03
Route
Card, SIC, SEPA, or a supervised ramp. The route stays on the record.
/ 04
Entry
Collection and payout as separate lines, with a time and a rate.
/ 05
Notice
A signed message to the merchant system.
Who it is for
For anyone who takes money in and passes it on.
/ 02
Platforms
Accept the payment, pay the supplier, keep the fee. Three movements, three lines, no aggregate position.
/ 03
Companies
Newton Pay is for businesses, not consumers. Whoever pays here has an invoice number.
Insights
Four insights from the engine room.
1 September 2026
The licence that is deliberately small
Public deposits up to CHF 100 million, no interest, no investment, no deposit protection. The limits are not a side effect. They are the point.
22 September 2026
The fee nobody names
Between a franc invoice and a euro payment sit four systems running four clocks. The most expensive part appears on no statement.
8 September 2026
The list is read beforehand
A payment already moving does not come back. So the screen sits before the instruction, and a model does not sign it.
Let us talk about your payments.
Newton Advisory Group GmbH, Baarerstrasse 43, 6300 Zug. contact@newtonpay.ch
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