
In Switzerland, there are over 100,000 associations – and almost every one of them is faced with the question sooner or later: How do I collect membership fees, donations, tickets, and event revenues digitally? Whether cashless at the club festival, membership fees via payment link, donations via an online form, merch and tickets in the club shop, or a central platform for the entire association – our five guides show you step-by-step for every payment occasion how to set up the right solution, what it costs, and which Swiss providers are suitable.
This overview page summarises all five guides and helps you find the right entry point – whether you are planning an association festival, want to modernise the annual collecting of membership fees, or want to bring 50 sections under one platform as an umbrella association.
Guide 1: Cashless collecting at the association festival
QR-Code · Tap to Pay · Card terminal · Festwirtschaft
At the association festival, bratwurst and a lack of cash clash: visitors have no cash, helpers juggle with change, and at 11 p.m. the treasurer is still rolling coins. This guide compares three methods for cashless collecting at the stand – printed QR code (CHF 0 hardware), Tap to Pay on the helper's smartphone, and mobile card terminal – and shows you how to get ready to start in 30 minutes.
For whom: Sports clubs (grümpelturnier, home game festival catering), music clubs (annual concert with bar), Pfadi (quarter festival stand), shooting clubs (village festival), any association with 1–4 events per year.
Core topics: Three methods in comparison (8 criteria), cost calculation for 80–200 transactions, setup instructions per method, billing for association bookkeeping, three practical examples (football tournament, concert, Scout flea market).
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Guide 2: Collecting membership fees digitally
Payment link · Recurring · QR-billing · Association software
The annual collection of fees is the biggest time-killer for every association treasurer: Excel list, sending QR-link bills, chasing up for weeks, writing reminders. A payment link (Paylink) by email solves the problem: member clicks, selects TWINT or credit card, pays in seconds. The treasurer sees the payment instantly. This guide compares four methods – from deposit slips to association software – and calculates from when the switch pays off.
For whom: Any association with 30+ members that collects annual or seasonal fees. Particularly valuable for gymnastics clubs, music clubs, choirs, and martial arts clubs with monthly fees.
Core topics: Four methods in comparison (Excel vs. Paylink vs. webshop vs. association software), cost calculation for 200 members at CHF 120, recurring payments (Recurring), practical example «Gymnastic club: from 6 weeks to 12 days», step-by-step instructions.
→ To the guide: Collecting membership fees digitally
Guide 3: Collecting donations as a Swiss association
Donation form · QR code donation · Recurring Donations · Tax basics
For charitable associations, support associations, animal associations, and social projects, donations are the main source of income. This guide shows you how to set up an online donation form with your logo and suggested amounts, offer QR code donations on site at the stand or on flyers, and automate benefactor contributions as recurring donations. Additionally, it explains the tax basics: When can an association issue donation receipts, and what is needed for cantonal tax exemption?
For whom: Charitable associations, support associations, animal shelters, parents' associations, aid organisations, social projects – all associations where donations are a central source of income.
Core topics: Four donation channels (form, QR, Paylink, Recurring), comparison of providers (RaiseNow vs. PSP vs. association software), TWINT-only QR vs. multi-payment method QR, benefactor levels, tax exemption and donation receipt, cost calculation for CHF 15,000 donation volume.
→ To the guide: Collecting donations as a Swiss association
Guide 4: Association shop – selling merch, tickets, and courses online
Mini webshop · Fan shop · Ticket sales · Course registration with payment
Ordering jerseys via WhatsApp, paying for concert tickets via bank transfer, reserving course slots with a handshake – this works until orders get lost and payments are missing. A mini webshop displays what is on offer, records the order, and collects the payment in one step. Without programming skills, without your own website, set up in under an hour.
For whom: Sports clubs (jerseys, caps, drinking bottles), cultural associations (concert tickets, theatre), course associations (yoga 10-class subscription, cooking course single booking), any association that wants to sell 3–20 products online.
Core topics: Three use cases (fan shop, ticket shop, course registration), comparison table (own webshop vs. mini webshop vs. social media), combination of on-site + online (pre-order + collection at the event), cost calculation for 50 orders/month, step-by-step setup.
→ To the guide: Create association shop
Guide 5: Payment solution for associations – one platform for all sections
Platform · Split Payment · Sub-Merchants · Association reporting
Umbrella associations with 20–500 sections face a structured problem: every section has its own payment solution (or none at all), the association has zero overview and has to request the association's share manually. The solution: A central payment platform where each section gets its own account with its own branding and its own payout. Via Split Payment, the association's share is automatically deducted from each transaction. No content in the Swiss market covers this topic – this guide is the first.
For whom: Cantonal sports associations, professional associations with training offers, music associations with regional sections, umbrella organisations with a section structure.
Core topics: Three architecture models (decentralised vs. platform vs. white label), Split Payment explained, Sub-Merchant onboarding, two reporting levels, three scenarios (sports association, professional association, music association), regulatory aspects (GwG, FINMA, SRO), cost comparison with 40 sections and CHF 500,000 volume.
→ To the guide: Payment solution for associations
Which guide fits your association?
All five guides at a glance – sorted by payment occasion, Payrexx product, and typical association type.
Guide | Payment occasion | Payrexx product | Cost from | Ideal for |
Cashless association festival | Festwirtschaft, village festival, tournament | CHF 0 (QR) / 1.3 % | Sports clubs, music clubs, Scouts | |
Digital membership fees | Annual fee, seasonal fee, course | CHF 0 (Free subscription) / 1.3 % | Gymnastics clubs, choirs, martial arts | |
Collecting donations | Ongoing benefactor contributions, campaigns, events | CHF 0 (Free subscription) / 1.3 % | Support, animal, social associations | |
Association shop | Merch, tickets, course registrations | Mini-Webshop (Pages) | CHF 0 (Free subscription) / 1.3 % | Sport (merch), culture (tickets), course |
Association as a platform | Section contributions, central events | Individual | Umbrella and cantonal associations |
All prices excl. VAT. Fees apply to Swiss consumer cards and TWINT. As of 2026, guide values.
Bookkeeping and billing for associations
No matter which payment solution your association chooses – at the end of the event or the collection cycle, the cash register must be correct. Modern payment service providers provide you with an online Dashboard with daily closing, CSV export, and breakdown by payment method. This severely simplifies the work of the association treasurer and the auditing by the auditors.
Booking in the Swiss chart of accounts SME: You book PSP transaction fees as bank charges (account 6840) – without VAT deduction, as payment services are exempt from tax according to Art. 21 para. 2 no. 19 MWSTG. A transit account (e.g. 1090) neatly represents the time delay between member payment and payout to the association account.
For most Swiss associations, the following applies: As long as the annual turnover remains below CHF 100,000 and the association is not registered in the commercial register as commercial, no VAT is due. Revenues from contributions, donations, festivals, and shop sales are booked in the association's bookkeeping as income – regardless of whether collected in cash or cashless.
All association payments from a single source
With Payrexx, you combine QR code payments, Paylinks, mini webshop, and platform solution via a single account – with consolidated billing and payout to your Swiss association IBAN. Charitable organisations receive a 50 % discount on paid subscriptions.
Frequently asked questions about card payments for associations
What does cashless payment cost for a Swiss association?
Transaction fees range, depending on the payment method and provider, between 1.3 % (TWINT) and 2.5 % (credit card). Monthly fixed costs start at CHF 0 (free plan). Physical card terminals cost a one-time fee from CHF 29 or are available for rent. QR code payments require no hardware.
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Does an association need a business licence or a special licence to accept payments digitally?
No. Swiss associations under Art. 60 ff. of the Swiss Civil Code (ZGB) can open an account with a Payment Service Provider (PSP) without a trade licence. For this, the association needs its articles of association, a board identification, and an IBAN association account.
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Which payment methods should a Swiss association accept?
TWINT is the most popular mobile payment method in Switzerland and should always be activated. Add credit and debit cards (Visa, Mastercard) as well as PostFinance Pay. For associations with older members, the QR-bill is a sensible additional payment method.
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Can an association issue donation receipts?
Only if the association is recognised by the cantonal tax authority as charitable and is tax-exempt. Requirements: charitable purpose, no distribution of profits to members, dedication of the association's assets upon dissolution. Sports and cultural associations that primarily serve their members usually do not meet these criteria.
What is the difference between a payment link and a mini webshop?
A payment link (Paylink) leads to a single payment page with a pre-filled amount – ideal for membership fees and donations. A mini webshop displays several products with images, descriptions and variants (e.g. size, colour) – ideal for merch, tickets and course registrations.
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How does a payment platform for associations with sections work?
The umbrella association sets up a central platform with a PSP and onboards each section as a sub-merchant with its own branding and its own payout. Through split payment, the association share is automatically deducted from every transaction. The association sees aggregated figures, each section sees only its own data.
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How quickly will I receive the money in the club account?
The payout is made, depending on the PSP, weekly or monthly to the stored IBAN association account. With most Swiss providers, a payout takes 3–9 business days after the transaction. Payrexx offers daily payouts as standard.
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