PostFinance vs zahls.ch
Established financial institution vs. transparent Swiss newcomer
PostFinance and zahls.ch are both Swiss payment providers with a focus on the local market. PostFinance benefits from the brand recognition of a major financial institution, while zahls.ch focuses on highly transparent pricing and integrated e-commerce tools. This comparison shows you the key differences in costs, features, and setup.
Total monthly costs of PostFinance and zahls.ch with a turnover of CHF 20,000
Total monthly costs of PostFinance and zahls.ch with a turnover of CHF 100,000
What are the advantages and disadvantages of PostFinance and zahls.ch?
PostFinance benefits from high brand awareness, a wide range of payment methods (14 methods), personal support, and lower overall costs. Disadvantages include setup costs, a lack of e-commerce tools, and a low Google review rating (2.2 stars).
zahls.ch offers particularly transparent pricing with four subscription tiers, integrated e-commerce tools, and the highest Google rating (5.0 stars). Disadvantages are the higher overall costs, many plugins only being available upon request, and no support for Shopify, JTL, or Magento.
Comparison table advantages and disadvantages PostFinance vs zahls.ch
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
zahls.ch
Advantages
Numerous payment methods (including TWINT and PostFinance Pay)
Free plugins
Integrated e-commerce tools
Free trial available
Swiss company
Personal support
High Google rating
Disadvantages
Many shop plugins only on request
High transaction fees
Moderate awareness
Focus on e-commerce in Switzerland
Which payment methods do PostFinance and zahls.ch offer?
Both providers support credit cards, TWINT, PostFinance Pay, Apple Pay, Google Pay, WIR Pay and purchase on account. PostFinance additionally offers Reka, which is missing from zahls.ch. Neither offers Samsung Pay, Centi or Pay by Bank. With 14 payment methods compared to 12, PostFinance has a slightly broader coverage, as Reka can be a plus point for tourism and gastronomy companies.
Comparison table of payment methods PostFinance vs zahls.ch
PostFinance
zahls.ch
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
No
Crypto
Yes
Yes
Purchase on account
Yes
Yes
Bezahl mit Bank
No
No
How do the shop system integrations differ?
PostFinance offers free plugins for WooCommerce, Shopware, JTL, Ecwid, Drupal, Magento and Prestashop. With zahls.ch, many plugins are only available on request, and support for Shopify, JTL and Magento is missing. Instead, zahls.ch offers integrated e-commerce tools such as payment links and a mini-webshop, which are missing from PostFinance. PostFinance is ahead of the game when it comes to shop system plugins, while zahls.ch has the edge when it comes to e-commerce tools.
Comparison table plugins and integrations PostFinance vs zahls.ch
PostFinance
zahls.ch
No
No
No
No
Yes
No
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
How does the support of the two providers differ?
Both providers are Swiss companies with personal support. zahls.ch has a Google rating of 5.0 stars (3 reviews), PostFinance 2.2 stars (178 reviews). zahls.ch has the highest rating, but based on a very small data pool. PostFinance has a broader rating base, but shows potential for improvement in customer satisfaction.
Who is PostFinance suitable for, and who is zahls.ch suitable for?
PostFinance is suitable for companies that prioritize lower total costs, already have a PostFinance account and require broad plugin coverage. zahls.ch is the better choice for merchants who prefer a transparent pricing structure, integrated e-commerce tools and a free start with no setup fees.
Which provider offers the easier setup?
zahls.ch advertises particularly simple setup and a free trial phase with no setup costs. PostFinance charges one-time setup fees of 199–249 CHF and requires a PostFinance business account, but offers a 30-day simulation mode. For a free start, zahls.ch is the more straightforward choice, while PostFinance scores with the familiarity of a well-known financial institution.
How much does PostFinance cost in comparison to zahls.ch?
With a monthly turnover of CHF 20,000, PostFinance costs CHF 365.90, while zahls.ch costs CHF 489. PostFinance is therefore CHF 123.10 cheaper per month, or 25% more cost-effective. With a turnover of CHF 100,000, the difference is CHF 499.10 per month (PostFinance: CHF 1,749.90 vs. zahls.ch: CHF 2,249). PostFinance charges a one-time setup fee of CHF 199–249, which, however, quickly amortises due to the significantly lower monthly fees.
Comparison table of costs PostFinance vs zahls.ch
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
zahls.ch
Beginner
CHF 0.00
CHF 0.00
2.90%
+
CHF 0.30
zahls.ch
Advanced
CHF 0.00
CHF 15.00
2.60%
+
CHF 0.30
zahls.ch
Professionals
CHF 0.00
CHF 29.00
2.30%
+
CHF 0.25
zahls.ch
Experts
CHF 0.00
CHF 49.00
2.00%
+
CHF 0.20
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.
zahls.ch
zahls.ch stands out for its particularly transparent pricing with four clearly tiered subscription plans. However, many shop plugins are only available on request, and integrations for Shopify, JTL and Magento are missing. For verification, a photo ID and company information are required. A free trial period is available.
Conclusion: PostFinance or zahls.ch – which provider is more worth it for you?
Both providers are Swiss companies with personal support. zahls.ch has a Google rating of 5.0 stars (3 reviews), PostFinance 2.2 stars (178 reviews). zahls.ch has the highest rating, but based on a very small data pool. PostFinance has a broader rating base, but shows potential for improvement in customer satisfaction.
