PostFinance vs Worldline
Swiss financial institution vs. global payment service provider
PostFinance is a well-known Swiss financial institution with its own payment solution for online shops. Worldline is a global payment service provider with combined acquirer and PSP services. Both offer Swiss payment methods – but there are significant differences in setup costs, e-commerce tools and support that can be crucial for Swiss Comerciantes.
Total monthly costs of PostFinance and Worldline with a turnover of EUR 20.000
Total monthly costs of PostFinance and Worldline with a turnover of CHF 100,000
What are the advantages and disadvantages of PostFinance and Worldline?
PostFinance benefits from high brand awareness in Switzerland, personal support, a wide range of payment methods (14 methods) and free plugin availability. Disadvantages are the one-time setup costs of up to 249 EUR, a lack of e-commerce tools and a low Google rating of 2.2 stars.
Worldline offers no fixed monthly costs, omnichannel solutions and dynamic currency conversion. Disadvantages are the lack of transparency in the fee structure, paid plugins, a paid support hotline and, with 2.9 stars, a likewise low Google rating.
Comparison table advantages and disadvantages PostFinance vs Worldline
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
Worldline
Advantages
Numerous payment methods (including TWINT and PostFinance Pay)
No monthly fixed costs
High awareness
Support for omnichannel payments (POS)
Disadvantages
Some chargeable plugins
No e-commerce tools
Fees not transparent
Chargeable support hotline
Rather low Google rating
Which payment methods do PostFinance and Worldline offer?
Both providers support credit cards, TWINT, PostFinance Pay, Apple Pay, Google Pay, and Reka. PostFinance additionally offers WIR Pay, which is missing from Worldline. Neither offer Samsung Pay, Centi, or Pay by Bank. With 14 payment methods compared to 12, PostFinance has a slightly wider coverage, thereby covering the Swiss market somewhat more comprehensively.
Comparison table payment methods PostFinance vs Worldline
PostFinance
Worldline
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
No
REKA
Yes
Yes
CENTI
No
No
CRYPTO
Yes
Yes
Purchase on account
Yes
Yes
Zahlen mit Bank
No
No
How do the plugins from PostFinance and Worldline differ?
PostFinance offers free plugins for WooCommerce, Shopware, JTL, Ecwid, Drupal, Magento and Prestashop. Worldline supports WooCommerce, Shopware, JTL, Drupal and Magento, but does not offer Shopify or Ecwid – and some plugins are also subject to a fee. Neither offers integrated e-commerce tools. PostFinance has the advantage with free plugin availability and broader coverage.
Comparison table plugins and integrations PostFinance vs Worldline
PostFinance
Worldline
No
No
No
No
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
What is the status of the support at PostFinance and Worldline?
PostFinance offers personal support in Switzerland. Worldline relies on a chargeable support hotline. Google ratings: Worldline 2.9 stars (674 reviews), PostFinance 2.2 stars (178 reviews). Both providers have rather low ratings. PostFinance at least offers free support, whereas with Worldline, every inquiry costs extra.
For whom is PostFinance suitable and for whom Worldline?
PostFinance is suitable for businesses that are already anchored in the PostFinance ecosystem and are looking for an affordable Swiss solution with personal support. Worldline is the better choice for businesses with an international outlook, omnichannel needs and a desire for dynamic currency conversion without fixed monthly costs.
How complex is the setup with PostFinance and Worldline?
PostFinance charges one-off setup fees of EUR 199 to EUR 249 and requires a PostFinance business account, but offers a free simulation mode. Worldline offers an e-commerce package with no setup costs, but requires contacting sales for customized solutions. If you do not want to pay any setup costs, you can get started faster with Worldline.
How much does PostFinance cost compared to Worldline?
With a monthly turnover of EUR 20,000, PostFinance costs EUR 365.90 (E-Com Bundle), while Worldline costs EUR 378. PostFinance is therefore EUR 12.10 cheaper per month. At a turnover of EUR 100,000, the difference increases: PostFinance EUR 1,749.90, Worldline EUR 1,890 – a monthly difference of EUR 140.10. PostFinance charges one-off setup costs of EUR 199–249, whereas Worldline does not charge setup fees. In the long term, PostFinance is the more cost-effective solution.
Comparison table of costs PostFinance vs Worldline
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
Worldline
Worldline E-Payments
CHF 0.00
CHF 0.00
1.70%
+
CHF 0.19
Worldline
Worldline Pay By Link
CHF 0.00
CHF 0.00
1.70%
+
CHF 0.19
Worldline
Worldline Web powered by Wix
CHF 0.00
CHF 29.00
1.70%
+
CHF 0.19
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.
Worldline
At Worldline, transaction fees are not always fully transparent – individual conditions must be requested from sales. For support enquiries, a paid hotline is used. In addition to e-commerce packages, Worldline also offers a combined package with Wix for merchants who want to build a webshop at the same time.
Conclusion: PostFinance or Worldline – which provider is more convincing?
PostFinance offers personal support in Switzerland. Worldline relies on a chargeable support hotline. Google ratings: Worldline 2.9 stars (674 reviews), PostFinance 2.2 stars (178 reviews). Both providers have rather low ratings. PostFinance at least offers free support, whereas with Worldline, every inquiry costs extra.
