PostFinance vs saldiaPay
Well-known Swiss financial institution vs. innovative Swiss payment facilitator
PostFinance and saldiaPay are both Swiss payment providers that, as payment facilitators, simplify the entry into online payments. PostFinance benefits from high brand awareness and a direct bank connection. saldiaPay scores with innovative additional applications such as saldiaApps. This comparison shows which provider is a better fit for your company.
Total monthly costs of PostFinance and saldiaPay with a turnover of CHF 20,000
Total monthly costs of PostFinance and saldiaPay with a turnover of CHF 100,000
What are the advantages and disadvantages of PostFinance and saldiaPay?
PostFinance benefits from high brand awareness, a wide range of payment methods (14 methods), personal support and lower overall costs. Disadvantages are the setup costs, a lack of e-commerce tools and the low Google rating (2.2 stars).
saldiaPay convinces with innovative saldiaApps for accounting and logistics, its own shop system (saldiaShop), personal support and the highest Google rating (4.7 stars). Disadvantages are the higher transaction fees, many plugins only being available on request and the lower brand awareness.
Comparison table advantages and disadvantages PostFinance vs saldiaPay
PostFinance
Advantages
Numerous payment methods (including TWINT and PostFinance Pay)
Free plugins
Low transaction fees
Free trial available
Swiss company
High awareness in Switzerland
Personal support
Disadvantages
Samsung Pay not supported
No e-commerce tools
High setup costs (one-time)
Low Google rating
saldiaPay
Advantages
Numerous payment methods (including TWINT and PostFinance Pay)
Free plugins and “saldiaApps”
Free trial available
Swiss company
Personal support
High Google rating
Disadvantages
Many shop plugins only on request
Rather high transaction fees
Low awareness
Focus on e-commerce in Switzerland
Which payment methods do PostFinance and saldiaPay offer?
Both providers support credit cards, TWINT, PostFinance Pay, Apple Pay, Google Pay, WIR Pay and purchase on account. PostFinance additionally offers Reka, while saldiaPay supports Centi. Neither offers Samsung Pay or Pay by Bank. With 14 payment methods for both providers, the coverage is almost identical – there are only minimal differences in niche payment methods.
Comparison table of payment methods PostFinance vs saldiaPay
PostFinance
saldiaPay
Mastercard
Yes
Yes
Visa
Yes
Yes
Postfinance Pay
Yes
Yes
Twint
Yes
Yes
American Express
Yes
Yes
Entdecken
Yes
Yes
PayPal
Yes
Yes
ApplePay
Yes
Yes
GooglePay
Yes
Yes
SamsungPay
No
No
WIRpay
Yes
Yes
REKA
Yes
No
CENTI
No
Yes
Crypto
Yes
Yes
Purchase on account
Yes
Yes
Bezahl mit Bank
No
No
How do the integrations of PostFinance and saldiaPay differ?
PostFinance offers free plugins for WooCommerce, Shopware, JTL, Ecwid, Drupal, Magento and Prestashop. With saldiaPay, many plugins are only available on request, and support for JTL and Magento is missing. saldiaPay scores instead with saldiaApps and saldiaShop as integrated e-commerce tools. PostFinance does not offer any e-commerce tools. PostFinance has wider coverage when it comes to classic shop systems.
Comparison table of plugins and integrations PostFinance vs saldiaPay
PostFinance
saldiaPay
No
No
No
No
Yes
No
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
How do you compare the support of PostFinance and saldiaPay?
Both providers are Swiss companies and offer personal support. saldiaPay has a significantly higher Google rating of 4.7 stars than PostFinance (2.2 stars), albeit on a smaller basis (39 vs. 178 ratings). Customer satisfaction appears to be higher with saldiaPay. Both offer a free trial period for risk-free testing.
Who is PostFinance suitable for, and who is saldiaPay for?
PostFinance is suitable for companies that are already anchored in the PostFinance ecosystem, prioritise lower overall costs and require broad plugin coverage. saldiaPay is the better choice for merchants who value the innovative saldiaApps for accounting and logistics and want to start without setup costs.
Which provider is easier for you to set up?
saldiaPay offers an uncomplicated setup with verification via photo ID and a 30-day trial phase without setup costs. PostFinance charges one-time setup fees of 199–249 CHF and requires a PostFinance business account. saldiaPay offers the cheaper and faster entry, while PostFinance offers the familiarity of an established financial institution.
How much does PostFinance cost in comparison to saldiaPay?
With a monthly turnover of 20,000 CHF, PostFinance costs 365.90 CHF, while saldiaPay costs 449 CHF. PostFinance is therefore 83.10 CHF cheaper per month or 19% more cost-effective. With a turnover of 100,000 CHF, the difference is 299.10 CHF per month (PostFinance: 1,749.90 CHF vs. saldiaPay: 2,049 CHF). PostFinance charges a one-time setup fee of 199–249 CHF, but this is quickly amortised by the lower monthly costs.
Comparison table of PostFinance vs saldiaPay costs
Provider
Subscription
Setup costs
Monthly costs
Transaction fees
PostFinance
Checkout All-in-One
CHF 199.00
CHF 14.90
2.50%
+
CHF 0.00
PostFinance
E-Com Bundle
CHF 0.00
CHF 19.90
1.55%
+
CHF 0.18
PostFinance
Checkout Flex
CHF 19.90
1.55%
+
CHF 0.18
saldiaPay
Easy
CHF 0.00
CHF 5.00
3.50%
+
CHF 0.30
saldiaPay
Advanced
CHF 0.00
CHF 15.00
2.50%
+
CHF 0.30
saldiaPay
Enterprise
CHF 0.00
CHF 49.00
1.70%
+
CHF 0.30
Additional remarks
PostFinance
For the use of PostFinance Checkout, a PostFinance business account or a credit card for fee billing is required. In addition, one-time setup costs of 199 CHF (Checkout All-in-One) to 249 CHF (Checkout Flex) apply. A free simulation mode allows merchants to test the integration in advance.
saldiaPay
saldiaPay offers, in addition to payment processing, its own add-on applications (saldiaApps) for accounting, logistics and an integrated webshop (saldiaShop). However, many shop plugins are only available on request. For verification, a photo ID and, where applicable, an entry in the commercial register are required. A 30-day trial period is free of charge.
Conclusion: PostFinance or saldiaPay – which Swiss provider convinces you?
Both providers are Swiss companies and offer personal support. saldiaPay has a significantly higher Google rating of 4.7 stars than PostFinance (2.2 stars), albeit on a smaller basis (39 vs. 178 ratings). Customer satisfaction appears to be higher with saldiaPay. Both offer a free trial period for risk-free testing.
