Swiss banks, payment networks and police form Pay Attent!on to fight payment fraud

# What Pay Attent!on is and why it was formed Switzerland's banking and payments industry and law enforcement have created a joint initiative called Pay Attent!on to reduce payment fraud. The participating organisations include the Swiss Bankers Association (SBA), SwissDebitPay, the Swiss Payment Association and the police. Their stated goal is to deliver one consistent source of advice for consumers and businesses about card fraud, e-banking scams and TWINT-related schemes.

# What the group will do first The initiative's first deliverable is a central website that consolidates fraud information and prevention tips. After the site is live, Pay Attent!on plans national awareness campaigns in 2027 using posters on public transport, social media posts and other outreach to reach a broad audience.

# Who will produce the guidance

# What the leadership says Nicky Kern, a board member of Pay Attent!on representing the SBA, said prevention works best when people receive the same simple messages no matter how they pay. Pascal Simmen, representing Swiss Crime Prevention on the board, highlighted the psychological element of scams: successful attacks often succeed because people under pressure stop questioning requests, so the focus should be on that human vulnerability rather than only technical fixes.

# How the approach addresses real-world scam dynamics Pay Attent!on's combined focus—covering cards, e-banking and TWINT—matches how fraudsters operate across multiple channels. Centralised, consistent messaging simplifies decision-making for victims who might otherwise receive different advice depending on the payment method involved. The project also pairs prevention messaging with research gathering so campaigns can adapt to emerging scam techniques.

# What to expect next Expect the central website to launch first, followed by the national visibility campaign in 2027. The website will be the single public entry point for current warnings, plain-language prevention steps and possibly links to reporting channels. Campaign materials will appear on public transport and social media to reach both everyday consumers and vulnerable groups.

# Practical takeaway If you live in Switzerland or handle payments for customers there, watch for the Pay Attent!on website and campaign materials. Treat the initiative as the go-to place for concise, consistent guidance on avoiding card, e-banking and TWINT fraud. When you see campaign advice, apply it quickly: many scams succeed because people are rushed or pressured into decisions.