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Changing the way people pay

We’re the world’s leading Fulfillment-as-a-Service partner for producers and banks who want to make payments wearable. By removing the complexity and building profitable partnerships, we’re offering new selling possibilities.

Helping producers sell and earn more with straightforward solutions

Complexity is costly. That’s why we’ve done the hard work in advance, keeping things simple so you can enter the payment-enabled wearables market at a fraction of the cost and with none of the headache.

Ready to Integrate

We provide a variety of pre-certified antenna shapes that can easily be incorporated into any accessory design, wristband or watch strap.

Ready to Wear

Our contactless payment modules attach effortlessly to your existing watch or other accessory.

Ready for Requests

If standard contactless design won’t fit your needs, we can create something that will.

Swatch PAY! BBMIST PAY! Passive payment wearable watch
The one-stop-shop every producer needs

Hardware for you and a helping hand for your customers

Accelerate your market entry and lower your capital expenditure by using our Equipment-as-a-Service (EaaS) option. Plus, our mobile wallet creates an experience just as convenient for your end customers.

Our banking network will grow your business

Integrate our online wearable catalogue with your web or mobile channels to reach banks and other businesses. Our SaaS platform provides the reliable backend support you need.

Outsourcing never felt so personal

Let us do the heavy lifting. Our Fulfillment-as-a-Service (FaaS) is our offer to manage warehousing, product personalization and shipping to customers on your behalf.

More banking partners for more business opportunities

Our growing network provides the reach you need and the convenience that keeps your customers happy. We have:

  • 10+ countries currently live

  • 53+ banks onboarded

  • 70+ million bank customers you can access

Read our SwatchPAY! Success Story
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Swatch and wearonize Partner to Prove That It PAYS to Innovate

Imagine the warehouse of the future. Sleek racks of special trays hold products waiting to receive a consumer's credit card. Foam inlays accommodate different sizes and types of items. Nearby, wearonize perso machines operating by gravity wait to begin their work as orders are processed. LED lights on smart trays begin blinking to life.


This is already the reality at Swatch’s global shipping center, where wearonize’s proprietary equipment, developed in partnership with Swiss Autix AG, and methodology enable a highly automated process for handling large volumes of payment-enabled products. The entire sequence is ruled by “smart” technology, starting with reading the chip inside a watch to create its “digital twin,” which will later be matched to its physical counterpart. 


Every step of a watch’s journey is tracked, from smart storage that provides real-time stock information for ordering, to smart trays with LEDs that indicate which products are ready to be picked. Orders are verified before leaving the warehouse and customers are given a code to enter once their order arrives to confirm they have received the product specifically enabled for them, and it’s ready to use to make payments.


So, how did we get here?

No time to waste: the pressures of enabling wearables for payment

With so much innovation happening around us all the time, it’s easy to miss the struggle between idea and implementation. Producers who want to offer payment-enabled watches or fashion accessories (called passive wearables) face significant barriers, including resources needed for research, development, testing, certifications, and onboarding banks in all relevant markets. In addition, there have been practical issues related to form and function.

Download our brochure on active/ passive wearables

Swatch had already devised a solution, by offering a passive payment-enabled wearable that could be activated in its many stores at the point of purchase through the SwatchPAY! App. Integrating the new online activation solution from wearonize, Swatch enabled consumers to now conveniently load their payment cards as part of their online purchase. A solution that is helping to open SwatchPAY! to an even broader market.

Time waits for no one: how wearonize technology is shaping a new tomorrow

A number of producers have entered the market recently, recognizing the same potential for passive, payment-enabled wearables. The challenge continued to be providing a secure way to enable devices from the convenience of a customer's home through an intuitive online experience.


Enter wearonize. In less than two years, this fintech startup has become a leading full-service partner for payment-enabled wearables. wearonize developed the ability to automate and highly parallelize the handling of passive, payment-enabled wearables sold through online or mobile channels, providing Visa or Mastercard payment capability without compromising security. 


Swatch has partnered with wearonize to fully realize the potential of SwatchPAY! expansion efforts. wearonize provides a seamless web experience, guiding customers from their purchase with Swatch through the tokenization process on the wearonize backend. 


And wearonize has another trick up its sleeve: handling on-site or offsite logistics via that “smart” warehouse setup. By ensuring the correct product arrives at the correct home, fully enabled for a customer to use, wearonize is helping Swatch propel the promise of payment-enabled wearables full-speed into the future.

Schedule time to talk to us about warehouse tokenization
Dear Producers: Consumers expect more. Let’s give it to them.
wearonize wallet app companion app for payment wearables

As if an easy wearables solution wasn’t enough, we also provide an app, outstanding in design and user experience. This digital wallet lets your customers enable payment cards on their wearable, set and track budgets, monitor their spending, shop and more.

What’s in it for you?

  • fast and easy onboarding process
  • Option to adapt the app to fit your brand
  • Exposure via the in-app store
Dear banks: Wearables are the next big boost to your bottom line.
  • See a 29% increase in customer transactions**

  • Satisfy growing consumer demand.

  • Earn 18% more revenue with no interchange fee sharing**

    ** internal Study Swiss Bank, 2019.
  • Drive customer loyalty with new payment methods.

VISA certified, Mastercard certified, Maestro certified, GieseckeDevrient Mobile Security, Infineon, Innosuisse founded project, Research Cooperation with Kalaidos

Can providing customers with wearables be as simple as providing payment cards?

Yes! We’ve got you covered with our frictionless ecosystem for payment-enabled watches and accessories. Supported by our online platform, we’re bringing banks/issuers and producers together, and our Fulfillment-as-a-Service offer is removing all complexity for both.

Schedule Meeting

It’s no longer just “big tech” taking big leaps ahead

Passive wearables are expected to be 30-40% of an estimated $1.4 trillion wearable payments market* in the next several years. We’ve already tackled the tech, so that you can take advantage of the opportunities.

* 2020 Allied Market Research – Global Opportunity Analysis and Industry Forecast, 2020-2027.

40% of consumers crave something other than smart watches or fitness trackers**

Increasing demand gives passive wearables a leg up on active wearables like smart watches and fitness trackers. Why?

Download our fact sheet to compare
  • No charging needed, so no down time
  • Fewer features equal lower product costs
  • No battery bulk means sleeker design
  • Less to break for less tech waste
You can bank on these solutions for your financial institution

Find the wearables your customers want

Integrate our SaaS platform and product catalogue with your web or mobile channels to find producers with wearables for your customers. Or talk to us about designs created and certified just for you.

Maximize your resources, minimize the hassles

Avoid the headache of managing products. Let our Fulfillment-as-a-Service handle warehousing, product personalization and shipping to customers on your behalf.

With one click, you’re in control

Our new web portal lets you determine in seconds which wearables are eligible for customers to load with their payment cards.

Let’s get started. Here’s where to reach us:
wearonize AG
Hirschmattstrasse 23
6003 Lucerne, Switzerland
wearonize +one GmbH
Muehlbaurstrasse 14
81677 Munich, Germany