PostFinance vs saldiaPay
Well-known Swiss financial institution vs. innovative Swiss payment facilitator
PostFinance and saldiaPay are both Swiss payment providers that simplify the entry into online payments as payment facilitators. 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 EUR 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 plug-ins 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 recognition in Switzerland
Personal support
Disadvantages
Samsung Pay not supported
No e-commerce tools
High setup costs (one-off)
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 invoice (Kauf auf Rechnung). 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
Zahlen 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 points with the saldiaApps and the saldiaShop as integrated e-commerce tools. PostFinance does not offer e-commerce tools. For classic shop systems, PostFinance has broader coverage.
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 does the support of PostFinance and saldiaPay compare?
Both providers are Swiss companies and offer personal support. saldiaPay has a significantly higher Google rating than PostFinance (4.7 vs. 2.2 stars), albeit based on a smaller sample size (39 vs. 178 reviews). Customer satisfaction seems to be higher at saldiaPay. Both offer a free trial period for risk-free evaluation.
For whom is PostFinance suitable and for whom saldiaPay?
PostFinance is suitable for businesses that are already anchored in the PostFinance ecosystem, prioritise lower overall costs and require broad plugin coverage. saldiaPay is the better choice for Comerciantes who value the innovative saldiaApps for accounting and logistics and want to start without setup costs.
Which provider is easier to set up?
saldiaPay offers an uncomplicated setup with verification via photo ID and a 30-day trial period without setup costs. PostFinance charges one-time setup fees of 199–249 EUR and requires a PostFinance business account. saldiaPay offers the cheaper and faster entry, while PostFinance provides the familiarity of an established financial institution.
How much does PostFinance cost compared to saldiaPay?
With a monthly turnover of 20'000 EUR, PostFinance costs 365.90 EUR, saldiaPay 449 EUR. PostFinance is therefore 83.10 EUR cheaper per month or 19% more cost-effective. With a turnover of 100'000 EUR, the difference is 299.10 EUR per month (PostFinance: 1'749.90 EUR vs. saldiaPay: 2'049 EUR). PostFinance charges one-off setup costs of 199–249 EUR, which, however, quickly amortise due to the lower monthly costs.
Comparison table of PostFinance vs saldiaPay costs
Provider
Subscription
Set-up 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
Use of PostFinance Checkout requires a PostFinance business account or a credit card for fee billing. In addition, one-off setup costs of 199 EUR (Checkout All-in-One) to 249 EUR (Checkout Flex) apply. A free simulation mode enables Comerciante:innen 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 online shop (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 is more convincing?
Both providers are Swiss companies and offer personal support. saldiaPay has a significantly higher Google rating than PostFinance (4.7 vs. 2.2 stars), albeit based on a smaller sample size (39 vs. 178 reviews). Customer satisfaction seems to be higher at saldiaPay. Both offer a free trial period for risk-free evaluation.
