Collect payments in your online shop by invoice

Improve performance with payment by invoice

Want more sales and fewer cancellations? Then payment by invoice is a must for your online shop – it is one of the most popular payment methods in Switzerland. With PostFinance, you decide whether you want to manage your receivables yourself or protect yourself against payment defaults.

Would you like to manage your receivables independently?

Our QR module allows you to send invoices as eBills or by e-mail.

The invoice is sent from your online shop to your customer’s e-banking account as an eBill. This means that your invoices reach their recipients safely and reliably. eBill makes paying your invoices even easier for customers, and you benefit from the fact that eBills are paid much faster than other electronic invoices.

When you set up the QR module, we also take care of registering you for eBill if you have a PostFinance business account.

Advantages at a glance:

  • Higher delivery rates than e-mails
  • Faster payment and faster credits
  • No media disruption for your customers

When a purchase is made, the invoicing process is initiated and completed automatically by our back office tool:

  • A debtor is created for the customer
  • The invoice is sent, complete with your company logo, to the customer by e-mail after the sale
  • Credits to your account are recognized, and accounts receivable are closed upon successful payment
  • The reminder workflow is activated as per your configuration of reminder deadlines and frequencies if no payment is received by the defined deadline. 

Use our set-up service to set up the QR module and configure your personal invoice layout.

  • Set-up service for the QR module for CHF 99.90
  • Active subscription to Checkout Flex
  • PostFinance business account for eBill

The set-up service can be ordered directly via the contact form. We arrange a time slot for a personal phone call and test the functionality with you. 

One-off fee

QR module set-up service
CHF 99.90
eBill set-up service
Free of charge

Transaction fees

Per purchase made by advance payment, QR-bill
CHF 0.18
Per eBill processing
Standard price + CHF 0.10 + CHF 0.18

There are no monthly fees with our QR module. 

Less risk: sell accounts receivable via PowerPay

If you don’t want to manage your accounts receivable yourself or you want the money from your sales paid out immediately, PowerPay is the right solution for you. PowerPay assumes the risk of payment default and checks the customer’s credit standing before enabling payment by invoice.

Payment by invoice via PowerPay with instalment option

With PowerPay, you can also offer the option of instalment payments in your online shop. This allows you to accommodate different payment preferences and offer a flexible solution for larger purchases. At the same time, you increase your competitive edge and tap into revenue potential that may otherwise have been lost to competitors.

Payment by invoice: an overview of our solutions

Benefits and comparison

BenefitsQR-billeBillPowerPay
Benefits
Manage receivables yourself
 QR-bill
Yes
 eBill
Yes
 PowerPay
No
Benefits
Invoice sender
 QR-bill
Your e-mail
 eBill
Your e-mail
 PowerPay
Different options
Benefits
Your own invoice layout
 QR-bill
Yes
 eBill
Yes
 PowerPay
Yes
Benefits
Configuration option
 QR-bill
Yes
 eBill
Yes
 PowerPay
No

Prices and conditions

FeesQR-billeBillPowerPay
Fees
One-off set-up fee
 QR-bill
Yes – see QR module
 eBill
Yes – see QR module
 PowerPay
No
Fees
Transaction fee
 QR-bill
CHF 0.18
 eBill
Standard price + CHF 0.10 + CHF 0.18
 PowerPay
On request
Fees
Basic support (by phone/e-mail)
 QR-bill
Provided free by PostFinance
 eBill
Provided free by PostFinance
 PowerPay
Provided free by MF Group

Questions and answers

  • Arrange a personal consultation and get comprehensive advice from our experts.

    Contact us

  • Without any further configuration, a sender address generated by our system will be stored. However, we recommend storing the e-mail address known to your customers, which will notify them of orders from your online shop. This will help to bypass the risk of an invoice accidentally ending up in the customer’s spam folder. We can help you adjust this setting with our set-up service.

  • Once you have sent PostFinance the form applying for a QR-bill subscriber number, it usually takes four to five working days.

  • Yes, if you already have a subscriber number, it is likely you also use it in another system. To avoid conflicts, we recommend applying for a new subscriber number.

  • PostFinance provides a reconciliation file that enables automatic reconciliation of outstanding invoices. We can process the following file formats:

    • ISO 20022 (camt.053.001.04), including detail records
    • ISO 20022 (camt.054.001.04), including detail records

    We recommend using camt.054, as PostFinance offers several daily invoicings in this format.

  • Most payments can be processed automatically. However, there are cases where the customer has paid too much (excess) or the invoice has been paid using the wrong QR number. These cases are recognized by the system and must be processed manually.

  • We merge the reconciliation files of all retailers into one account and receive all files from PostFinance in one FDS account. To ensure that you are authorized to view a specific file, we check whether you are the account holder for this account. This is done by making a small payment to our bank account. This enables us to protect your data from unauthorized access.

Do you have any questions about PostFinance’s payment solutions?

Arrange a personal consultation and get comprehensive advice from our experts.

Contact us now