Byjuno Review

Byjuno is a Swiss company specializing in payment management, offering consumers and businesses alike the ability to purchase goods and services on invoice or in installments. Operating similarly to a credit card, Byjuno allows for purchases simply by providing personal information without needing to supply sensitive details such as credit card numbers, expiration dates, CVC code, or 3D Secure code. This simplified approach aims to secure and facilitate transactions.

The payment process with Byjuno is clear and straightforward: the customer shops at their chosen merchant and selects Byjuno as the payment method. The merchant then delivers the goods to the customer, and Byjuno sends the invoice to the customer, who can choose to pay the amount in full or in several installments. Meanwhile, Byjuno settles with the merchant, ensuring a smooth and secure transaction for all parties involved.

The solutions offered by Byjuno are varied and cater to the needs of today's consumer. Whether it's buying matching shoes and sunglasses, planning a trip to New York, or finding the perfect jewelry for a date, Byjuno simplifies payments by offering flexible options tailored to different situations.

Byjuno stands out with its all-in-one services, from credit decision to customer service. With real-time online credit decisions based on one of Switzerland’s largest and most up-to-date credit databases, Byjuno provides dynamic credit limit management and fraud detection, ensuring maximum acceptance of transactions. This real-time credit decision service assures merchants of quick and reliable verification.

Regarding the billing service, Byjuno offers modern invoice management with the option of sending via email or a classic payment slip. Merchants thus benefit from the elimination of payment entry and tedious reminder management, significantly simplifying their daily financial operations.

Cash flow management is another key aspect of Byjuno's solutions. The amount for the goods is paid to the merchant within a fixed agreed timeframe, allowing businesses to enjoy guaranteed liquidity and optimize commercial discounts with their suppliers. This prompt payment ensures better cash flow management for partner companies.

Additionally, Byjuno offers a payment guarantee, taking on the total risk of non-payment. This guarantee is particularly advantageous for merchants as it allows them to focus on their core business without worrying about potential customer payment defaults.

Byjuno's customer service is local and available in the main national languages, offering tailored and easily accessible support to users. This dedicated customer service ensures that all customer questions and concerns are addressed quickly and efficiently.

In summary, Byjuno offers an integrated payment management solution that simplifies and secures transactions for consumers and businesses. By eliminating the need to provide sensitive information for every purchase and offering flexible payment options, Byjuno emerges as an innovative and reliable alternative to traditional payment methods, meeting the expectations of a constantly evolving market.