PostFinance Checkout Flex

The flexible payment solution for your online shop and in-store payments

Configure your payment processes according to your needs: PostFinance Checkout Flex gives you maximum flexibility as a powerful Payment Service Providing solution. You also have the option of expanding your online shop to include a payment terminal for in-store sales at any time.

No fees for using payment terminalsNo fees for using payment terminals

Register now for PostFinance Checkout Flex and save on the monthly fees for your payment terminals. It pays to be quick – this promotion is running only until the end of 2022.

PostFinance Checkout Flex: the largest selection of payment methods

  • Attractive pricing model

  • Maximum flexibility in integrating acceptance partners

  • Online onboarding and contract requests to the acceptance partners

  • A single back office tool for managing sales online and in-store

  • Digital end-of-day settlements and documents for in-store sales

E-payment made easy – and easily expandable into an omnichannel solution

PostFinance Checkout Flex offers you the largest choice of payment methods for your online business. You can simply integrate the method you require and negotiate the prices independently with the acceptance partners. This ensures you remain flexible.

You also benefit from attractive conditions and many useful payment processing functions. With PCI-DSS- and ep2-certified payment terminals, you can also expand PostFinance Checkout Flex into an omnichannel solution with ease and ensure compliance with all security standards.

You can manage your online shop and terminal payment solutions independently with just a few clicks in the PostFinance Checkout back office tool. The overview of all transactions keeps you up to date at all times. You can also configure your payment terminals directly in the back office tool and access end-of-day settlements and sales documents.

  • Test PostFinance Checkout Flex free of charge

    Register for the test version and set it up in the back office tool in just a few steps. Test all payment methods in simulation mode for 30 days.

    Preconditions

    To settle the PostFinance Checkout Flex set-up costs and monthly subscription fees, you must provide a PostFinance business account or a credit card. 

    Order payment terminal and set up Checkout Flex

    Order the modern payment terminal from the PAX range in our online shop. After receiving the device, you can simply scan the QR code on the enclosed flyer and configure your payment terminal in a few steps with the help of the set-up wizard. If required, you can also integrate the Payment Service Providing module into your webshop. 

    Conclude contracts online and send requests to acceptance partners

    The “Payment Service Providing and Terminal” contract for PostFinance Checkout Flex can be completed online in a few minutes. After our check, PostFinance Checkout Flex will be activated within ten working days.

    To activate the individual payment methods, you need a separate contract with the relevant acceptance partner for each payment method. In-store sales require one contract per location and payment method. PostFinance automatically arranges the contract request for you online in Checkout Flex onboarding. The amount of time it takes to activate the payment method depends on the relevant acceptance partner and cannot be influenced by PostFinance. To complete the activation of the payment terminal, at least one payment method must be active.

    NB: It may currently take a few more weeks to conclude contracts with Worldline and Concardis.

    Supported acceptance partners and payment methods for your online shop

    • PostFinance (PostFinance Card sowie PostFinance E-Finance)
    • First Data GmbH (Visa, Mastercard, Diners, JCB, China Union Pay)
    • Wordline (Visa, Mastercard, TWINT, Diners, JCB, China Union Pay)
    • Concardis (Visa, Mastercard, TWINT, Diners, JCB)
    • Swisscard (Amex)
    • PayPal (Visa, Mastercard)
    • MF-Group PowerPay (Rechnung)
    • TWINT
    • More upon request

    Supported acceptance partners, payment methods and mobile payment systems for your payment terminal

    • PostFinance (PostFinance Card)
    • Wordline (Visa, Mastercard, TWINT, Diners, JCB, China Union Pay)
    • Concardis (Visa, Mastercard, TWINT, Diners, JCB, China Union Pay)
    • Swisscard (Amex)
    • Apple Pay, Google Pay, Samsung Pay
    • Reka, WIRcard and other popular customer cards

    Paying with stored cards in the online shop

    With this feature, you have the option as a retailer of debiting recurring amounts (such as subscription charges) to the cards previously stored by the customer.

    Payment link and charge flow for automation of your online shop

    The payment link makes it very easy for you to handle transactions: you send buyers a payment link via e-mail. Buyers then use the payment link to settle the outstanding amount with one of the payment methods linked in the online shop.

    You can use the charge flow feature to automate processes for debits via e-mail.

    Personalizing e-mails and documents

    In the Checkout back office tool, you can personalize e-mails sent to the buyers (such as payment status) or documents (such as payment confirmations or credits). You can also configure your payment terminals and adapt the functions according to your requirements.

    Accounting

    The sales reports (reconciliations) from the various acceptance partners are displayed in consolidated form in the Checkout back office tool. You can export them via CSV and import them into your accounting software. PostFinance Checkout Flex currently supports only distance selling reconciliations.

    Fraud management

    • Fraud check for card issuer BIN (bank identification number), country, address and IP address
    • Blocking of cards in selected countries
    • Filtering of card categories, where the filter is applied to the first six digits of the card that identify the issuer (based on the BIN) and the card category
    • The filter determines by card type whether the filtering of the card type derived from the BIN should be active or not

    Keep an overview of all transactions at all times

    You can manage all transactions directly in the shop system. The Checkout back office tool allows you to inspect the details of transactions in your online shop or in-store sales made via your payment terminals. The sales documents and end-of-day settlements for the payment terminals are automatically archived online.

    You can also manage users and their settings yourself at any time. This enables you to authorize a partner (e.g. an agency) to implement technical configurations.

    Advanced users can also customize the automatically preconfigured services in the Checkout back office tool and, if required, set up another online shop (space) without incurring additional costs.

    You can activate or deactivate the payment terminal at any time in the Checkout back office tool or modify its location.

    Always at your side: PostFinance support

    If you have any questions about payments, using the Checkout back office tool or installing plug-ins, you can contact our technical support.

  • PostFinance plug-ins

    PostFinance Checkout offers plug-ins for the standard shop systems in Swiss e-commerce:

    • Magento 2
    • Magento 1
    • OpenCart
    • OXID
    • Prestashop
    • Shopware
    • WooCommerce

    Connected services − connecting PostFinance Checkout to SaaS shop systems

    If you use a shop system as an SaaS (software as a service) solution, you can connect PostFinance Checkout directly using the integrated connected services. PostFinance Checkout currently supports the following connections:

    Supported plug-ins from third-party providers

    The range of plug-ins and connected services is continually being expanded.

    Supported checkout systems

    You can connect the payment terminal to your checkout system as follows:

    • Via cloud API (documentation at checkout.postfinance.ch)
    • Via local API (upon request)
    • Via Pepper
  • Try it out free of charge

    Test PostFinance Checkout, including payment simulation and plug-in, free of charge and with no obligation.

    Software for PostFinance Checkout Flex

    • Set-up fee including plug-in: one-off payment of CHF 249, excl. VAT
    • Monthly costs for e-commerce software, updates, two spaces (to set up two online shops) and support: CHF 19.90 per month, excl. VAT
    • Each additional space costs CHF 6.90 per month, excl. VAT
    • Monthly costs for payment terminal software, SIM card, updates and support: CHF 9.90 per month and per terminal
    • Automated processing of reconciliation for PostFinance, Worldline, Concardis, TWINT, PayPal and MF Group will be charged at CHF 0.02 per booking record

    Order payment terminals

    You can order the latest PAX terminals in our online shop.

    Transaction fees for PostFinance Checkout Flex

    • Costs per transaction in the online shop: CHF 0.18 
    • Costs per transaction with payment terminal: CHF 0.03 

    Additional details

    • Transactions from the online shop as well as from the terminals are not accumulated
    • The updates to the payment terminals and the SIM card are included in the prices

    Fees for payment methods

    These fees are charged directly by the acceptance partner of the respective payment method. Please check the relevant acceptance contract.

  • PostFinance offers you two individual e-payment solutions: PostFinance Checkout All-in-One and PostFinance Checkout Flex. You can integrate both options quickly and easily as a module in your online shop. Choose the variant that suits you best – depending on your requirements and the number of payments processed.

    Advantages and comparison

     Checkout All-in-One Checkout Flex
     
    Payment methods
    Checkout All-in-One  Simple and quick
    A payment solution covering the standard payment methods of PostFinance Card, PostFinance E-Finance, TWINT, Visa and Mastercard®
    Checkout Flex  Maximum flexibility – simple and quick
    Flexible integration of payment methods and acceptance partners (such as payment by invoice and PayPal) 
     
    Contact persons and invoicing
    Checkout All-in-One  Simple and quick

    Full service providing package: one online contract concluded, one invoice, one credit. No contracts are required.

    Standard commission rate across all payment methods from 2.3 percent.

    One contact person for all payment methods: PostFinance.

    Checkout Flex  Maximum flexibility – simple and quick

    You negotiate the prices directly with the acceptance partner. PostFinance takes care of the contract request for you.

    Transaction overview and management in the back office tool.

    Consolidated revenue report/reconciliation of all payment types for accounting.

     
    Time until productive activation
    Checkout All-in-One  Simple and quick
    Set-up for productive payments completed within ten working days
    Checkout Flex  Maximum flexibility – simple and quick
    Depending on the contract issue date for the individual acceptance partner
     
    Additional options
    Checkout All-in-One  Simple and quick
    None
    Checkout Flex  Maximum flexibility – simple and quick

    Customizable payment screens, send e-payment links via e-mail or subscription management.

    Can also be expanded for use via payment terminals at physical points of sale.

    • The Checkout All-in-One product is based on a collecting service. This means that all payment methods (PostFinance, Visa, Mastercard® and TWINT) are processed via one contract. For the Checkout Flex product, separate contracts must be concluded with the relevant acceptance partners. As a result, you will need to cancel the Checkout All-in-One product and re-register for Checkout Flex. 

      This involves cancelling the Checkout All-in-One product and registering for the Checkout Flex product.

      A one-off activation fee of CHF 249 excluding VAT is charged to activate Checkout Flex. The monthly costs of using the product amount to CHF 19.90 excluding VAT.

      Please note that your contract for the payment methods that come with Checkout All-in-One is not transferred to the new product. To use Checkout Flex, you will need to conclude additional contracts with the acceptance partners once you have registered.

      If you would like to use the Checkout Flex product in the future, please carry out the following steps:

      1. Log in to the The link will open in a new window Checkout back office tool
      2. Select the plus sign (desktop: bottom left of the screen; mobile: in the menu).
      3. Select “Account”
      4. Enter the required name (e.g. company name)
      5. Select “Save account”
      6. Run the set-up wizard and open the Checkout Flex product

      You can then cancel the Checkout All-in-One product (see question “How can I cancel Checkout All-in-One and Checkout Flex?”).

    • You can create an unlimited number of spaces in the account.

      • Two spaces are included in the subscription price of CHF 19.90 excluding VAT
      • Each additional space costs CHF 6.90 excluding VAT

      Please note that new acceptance contracts for the chosen payment methods must be set up for each space.

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