Before founding Gross paySMART, Reto Gross was Head of Partner Management at Swisscard AECS AG, and as such responsible for the profitable development of the biggest and most successful credit card programmes in Switzerland, catering for the different co-branding partners on operational as well as strategic level. These card portfolios, operated and marketed together with Swiss Miles&More, TCS, Coop and Credit Suisse, amount to nearly one million cards and set the industry standard in terms of profitability and customer management.

In 2006, Reto Gross played a decisive role in designing and launching the Coop SUPERCARDplus, the first and so far most successful yearly-fee free credit card in the Swiss market.

Previously, he held various responsible positions in the aviation business, with Swissair Group and Swiss International Airlines, in the areas of sales & marketing, business development and pricing and profitability.