The e-payment service from PostFinance provides solutions for microenterprises and major customers – using a commission model of 1.3%. Everyone benefits: Payment collection is extremely easy, as the amount due is debited directly from your customers and credited to your business account.
E-payment: PostFinance payment methods
The payment method trusted by millions
2.5 million people already use the PostFinance Card and PostFinance E-Finance, because they can pay easily and securely – without the risk of becoming overdrawn. As we are continuously improving our payment methods, PostFinance Card and PostFinance E-Finance will gradually be combined into PostFinance Pay from 10 July 2023.
PostFinance payment methods: low-cost and secure
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High customer potential: 2.5 million people use PostFinance Card and e-finance
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No fixed costs
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Payment guarantee and quick credit
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Accounting processes can be automated; flexible payment management
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Standardized payment processing
Further development of the payment method PostFinance Pay
From 10 July 2023, we will be gradually implementing a new payment method for online shops with PostFinance Pay, which will replace the two previous “PostFinance Card” and “PostFinance e-finance” payment methods. There is no need to use the PostFinance Card or the reader for transaction processing in the online shop. Customers can process their transactions easily and conveniently via the PostFinance App. This improves the customer experience and lays the foundations for conversion rate optimization.
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You will need a business account at PostFinance or at a third-party bank and an acquiring contract with PostFinance. You will also require a contract with a payment service provider that has integrated the interface to PostFinance.
The following payment service providers offer PostFinance payment methods:
- ACI WorldwideThe link will open in a new window
- ConcardisThe link will open in a new window
- DatatransThe link will open in a new window
- DigiprocessingThe link will open in a new window
- HipayThe link will open in a new window
- IngenicoThe link will open in a new window
- Lyra PayzenThe link will open in a new window
- MonextThe link will open in a new window
- NovalnetThe link will open in a new window
- Nuvei (Safecharge)The link will open in a new window
- PayoneThe link will open in a new window
- Payoneer (Optile)The link will open in a new window
- PayrexxThe link will open in a new window
- Payyo (coming soon)The link will open in a new window
- PostFinance Checkout
- PPROThe link will open in a new window
- UnzerThe link will open in a new window
- ViveumThe link will open in a new window
- WalleeThe link will open in a new window
- Worldline (SIX Saferpay)The link will open in a new window
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How the payment process works at a glance
Your advantages with PostFinance Card as a payment method
- Reach 2.5 million PostFinance Card holders
- PostFinance Card Alias option for simple and regular transactions
- Payment guarantee when posting within 30 days
- Credit one day after posting at the latest
- Individual or consolidated statement possible
- Credit advice for manual transaction reconciliation or reconciliation file for semi-automatic or fully automatic reconciliation
Your customers must have a PostFinance private account with a PostFinance Card and (if they have e-finance access) have already optionally registered to log in via the PostFinance App. From purchase amounts of CHF 500 or EUR 350, the card reader is required in addition to the PostFinance Card, if registration for the login via app has not yet been completed. There’s a monthly limit of CHF 1,500 or EUR 1,300 for the PostFinance Card Alias option.
Your advantages with payments via e-finance
- Over 1.6 million e-finance users
- Payment guarantee when posting within 30 days
- Credit one day after posting at the latest
- Individual or consolidated statement possible
- Credit advice for manual transaction reconciliation or reconciliation file for semi-automatic or fully automatic reconciliation
Your customers need to have a PostFinance private account with an e-finance subscription and to have optionally registered for login via app or alternatively a PostFinance Card with a card reader or Mobile ID (certificate on the SIM card).
Find out about PostFinance as a payment service provider
While PostFinance payment methods offer you and your customers advantages, so does PostFinance Checkout which allows you to configure your payment processes according to your requirements. Test the payment-service-provider solution for 30 days free of charge.
PostFinance E-Payment Module Checkout All-in-One: The full service package is your complete e-payment solution that can be integrated as a module into your online shop quickly and easily. This means that you only have one contract, one statement, one credit – and PostFinance as a reliable partner.
PostFinance E-Payment Module Checkout Flex: Give yourself maximum flexibility with an e-payment solution that you can upgrade at any time with a payment terminal for in-store sales. This enables you to manage your payment solutions with just a few clicks.
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Commission-based model at 1.3%
- For PostFinance e-payment methods, a commission of 1.3% will be charged, based on the amount for each sale or return
- For larger volumes, we will inform you of the price on request
- Customers with a PostFinance business account: commission is charged monthly
- Customers with an account at a third-party bank: commission is deducted directly from each transaction
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- Factsheet: How payments are made in your online shop - our PostFinance payment methods (PDF)The link will open in a new window
- Subscriber Conditions for PostFinance payment methods for online shops (PDF)The link will open in a new window
- Manual: PostFinance payment methods for online shops (PDF)The link will open in a new window
- Factsheet: The ban on advertising at PostFinance Payment methods for online shops (e-payment) (PDF)The link will open in a new window
Logo files
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PostFinance e-payment provides a secure and reliable payment solution at attractive terms. See section “Prices and conditions" for information on our 1.3% commission model.
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Payment PostFinance offers two payment-service-providing solutions to make its payment processes as simple and secure as possible. Try out the PSP solution that suits you best free of charge for 30 days.
PostFinance Checkout All-in-One: Your complete e-payment solution – integrated as a module into your online shop quickly and easily. This means that you only have one contract, one statement, one credit – and PostFinance as a reliable partner by your side. A full-service package that makes your life easier.
More on Postfinance Checkout All-in-One
PostFinance Checkout Flex: You can upgrade this e-payment solution at any time with a payment terminal for in-store sales. Manage your payment solutions with just a few clicks and give yourself maximum flexibility.
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You can receive a transaction reconciliation as a PDF or as a file with PMS, File Delivery Service or in e-finance.
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We aim to help you manage your online business independently and flexibly – with e-payment from PostFinance.
Stefan Wiesner, Business customer advisor
Do you have any questions about PostFinance’s payment solutions?
Arrange a personal consultation and get comprehensive advice from our experts.