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 large financial institution, whereas zahls.ch focuses on particularly transparent pricing and integrated e-commerce tools. This comparison shows 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 EUR 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 the setup costs, a lack of e-commerce tools, and a low Google 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 available on 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 recognition in Switzerland
Personal support
Disadvantages
Samsung Pay not supported
No e-commerce tools
High setup costs (one-off)
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 available 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. PostFinance has a slightly broader coverage with 14 compared to 12 payment methods, as Reka can be an advantage for tourism and catering businesses.
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
Zahlen 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. In turn, zahls.ch offers integrated e-commerce tools such as payment links and a mini webshop, which are missing from PostFinance. PostFinance is ahead when it comes to shop system plugins, zahls.ch with e-commerce tools.
Comparison table of 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 both 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 is based on a very small database. PostFinance has a broader evaluation basis, but shows potential for improvement in customer satisfaction.
For whom is PostFinance suitable and for whom zahls.ch?
PostFinance is suitable for companies that prioritise more favourable total costs, already have a PostFinance account and require broad plugin coverage. zahls.ch is the better choice for Comerciantes 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 test phase with no setup costs. PostFinance charges one-off setup fees of 199–249 EUR 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 compared to zahls.ch?
With a monthly turnover of 20,000 EUR, PostFinance costs 365.90 EUR, and zahls.ch costs 489 EUR. PostFinance is therefore 123.10 EUR cheaper per month or 25% cheaper. With a turnover of 100,000 EUR, the difference is 499.10 EUR per month (PostFinance: 1,749.90 EUR vs. zahls.ch: 2,249 EUR). PostFinance charges one-off setup costs of 199–249 EUR, which, however, quickly amortise due to the significantly lower monthly fees.
Comparison table of costs PostFinance vs zahls.ch
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
zahls.ch
Entry-level
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
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.
zahls.ch
zahls.ch is characterised by particularly transparent pricing with four clearly tiered subscription levels. However, many shop plugins are only available on request, and integrations for Shopify, JTL and Magento are missing. Verification requires a photo ID and company information. A free trial period is available.
Conclusion: PostFinance or zahls.ch – which provider is more worthwhile?
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 is based on a very small database. PostFinance has a broader evaluation basis, but shows potential for improvement in customer satisfaction.
