For SMEs with in-house accounting
Fake invoices and customers going bankrupt:Protime warns you in your inbox before you pay or deliver.
Protime checks the company behind every email against the Swiss commercial register and speaks up when something is wrong. It drafts the reply as well. It runs in your Outlook or Gmail, with no extra portal.
30 minutes by video. We show it in a real mailbox.
Why this matters now
970
cases of CEO fraud in Switzerland in 2025, +35 %
The fraudsters pose as the boss or a supplier and ask for an urgent payment. According to the federal cyber office (BACS), they also research the commercial register to do it.
14'958
company bankruptcies in 2025, +30 %
The first quarter of 2026 was higher again: +106 % on the same quarter a year earlier.
under 6 %
average bankruptcy dividend, according to WEKA
In 98.3 % of bankruptcies the creditor gets nothing. You file your claim within one month of the call for creditors (Art. 232 SchKG).
Only 42 % of Swiss SMEs feel protected against cyber attacks. SME cyber study 2025, Mobiliar/digitalswitzerland
What happened
At a family business in Bern, a payment instruction came from the real, compromised account of a person inside the company – with new bank details and time pressure. The mail filters saw nothing, because the sender was genuine.
The only thing that stood out was the content: bank details that were new for this sender. That is exactly what the Payment Guard looks for.
What Protime does in your inbox
You keep working as before. Protime speaks up where you reply anyway.
A warning in the reply draft
When a company writes to you, the draft shows what the commercial register reports about it: bankruptcy or a debt moratorium, a person who is no longer authorised to sign, an email announcing new bank details. Every warning cites the official publication as evidence.
Payment GuardNew · rolling out
It spots payment requests and bank details that don’t fit a sender’s usual pattern and prompts a call-back on the number you already know. It does not stop payments and only works in mailboxes connected to Protime.
Currently in a learning phase: it learns your senders’ patterns, and Protime switches the alerts on afterwards.
A customer’s bankruptcy, the morning after
If a customer goes bankrupt, you know the morning after it is published in the official gazette, with the deadline for filing your claim and a link to the official PDF.
Reply drafts in your voice
Every email that needs an answer has a draft ready, in your tone. You check it, adjust it and send it.
For the whole company
CHF 3'000 a year
Team, billed annually by invoice
- 5 mailboxes included, for example management, finance, accounting, purchasing and sales.
- Each additional seat: CHF 50 a month.
- All warnings and the Payment Guard in every connected mailbox.
- Try it free for 14 days before the invoice arrives.
The arithmetic
One unpaid invoice of CHF 10'000: with a bankruptcy dividend under 6 % you lose around CHF 9'400. That is more than three years of Team.
See it in your own mailbox
In the call, give us ten of your most important customers and suppliers. We show you what the official gazette published about them in the last twelve months.
Frequently asked questions
Does an AI read my emails?
Protime only reads the mailboxes you connect. The data is stored in the EU. Our AI providers (Google and Anthropic) are contractually barred from using your content for training, and fixed deletion periods apply. We wrote our privacy policy together with a data protection lawyer.
We already have Copilot.
Copilot writes text. It does not check the commercial register and does not warn you when a payment request doesn’t fit the sender. That is the part Protime takes on.
We already use Moneyhouse or Creditreform.
Those services show company data when you go and look. Protime shows it in the reply draft while you are writing to the company, with no second login.
We have no budget for this.
One unpaid invoice of CHF 10'000 costs you around CHF 9'400 if the customer goes bankrupt. Team costs CHF 3'000 a year.
Where is the data? Does anything leave Switzerland?
Protime is a Swiss company, blueSky Information GmbH in Lucerne. Your data is stored in the EU, registerbuch.ch register data in Switzerland. For AI processing we work with Google and Anthropic; details are in the privacy policy.
Our IT has to approve it.
Protime connects through the official interface of Microsoft 365 or Google Workspace, and there is an add-in for Outlook. The Google connection has passed the CASA security assessment. For your IT: scopes, data location and deletion periods on one page — on request.
Data location and privacy
Data in the EU · Register data in Switzerland · Swiss company
Your data is stored in the EU, register data in Switzerland. For AI processing we work with Google and Anthropic; details are in the privacy policy. Read the privacy policy
For your IT: scopes, data location and deletion periods on one page — on request.
In use at Loeb AG, Bern.
In the media on 2 November 2026: zentralplus · Organisator · presseportal