Payrexx vs PostFinance
Two Swiss payment providers in direct comparison – who offers more?
PostFinance is well known as a Swiss financial institution and has also offered its own payment solution for online shops for several years. Payrexx is also a Swiss company that specializes in SMEs as a payment facilitator. Both providers cover the Swiss market excellently – but in the details, important differences emerge in costs, e-commerce tools, and setup.
Monthly total costs of Payrexx and Postfinacne for a turnover of EUR 20,000
Monthly total costs of Payrexx and Postfinacne at a turnover of EUR 100,000
What are the advantages and disadvantages of Payrexx and PostFinance?
Payrexx scores with lower overall costs without setup fees, integrated e-commerce tools, the broadest payment method coverage including Samsung Pay, Centi and Pay by Bank, as well as a better Google rating. Weaknesses are the moderate awareness and the e-commerce focus.
PostFinance benefits from high awareness in Switzerland, a broad payment method offering and personal support, but charges setup costs of up to 249 EUR, offers no e-commerce tools and has a significantly lower Google rating with 2.2 stars.
Comparison table of advantages and disadvantages: Payrexx vs PostFinance
Payrexx
Advantages
Numerous payment methods (including TWINT and PostFinance Pay)
Free plugins
Integrated e-commerce tools
Low transaction fees
Free trial available
Swiss companies
Personal support
Support for in-person payments (POS, Tap to Pay & QR Pay)
Disadvantages
Moderate awareness
Focus on e-commerce in Switzerland and Europe
Moderate Google rating
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-time)
Low Google rating
Which payment methods do Payrexx and PostFinance offer?
Both providers cover the most important Swiss payment methods: credit cards, TWINT, PostFinance Pay, Apple Pay, Google Pay, WIR Pay and purchase on invoice. Payrexx also offers Samsung Pay, Centi and, as the only Swiss provider, Pay by Bank (Instant Payment). PostFinance does not support Samsung Pay and Centi. Overall, the payment methods of both providers are very similar, with Payrexx leading by three additional methods.
Payment methods comparison table Payrexx vs PostFinance
Payrexx
PostFinance
Mastercard
Yes
Yes
Visa
Yes
Yes
Postfinance Pay
Yes
Yes
Twint
Yes
Yes
American Express
Yes
Yes
Entdecken
Yes
Yes
PayPal
Yes
Yes
Apple Pay
Yes
Yes
GooglePay
Yes
Yes
Samsung Pay
Yes
No
WIRpay
Yes
Yes
REKA
Yes
Yes
CENTI
Yes
No
CRYPTO
Yes
Yes
Purchase on account
Yes
Yes
Zahlung per Bank
Yes
No
How do the plugins and tools of Payrexx and PostFinance differ?
Both offer free plugins for Shopify, WooCommerce, Shopware, JTL, Ecwid, Drupal, Magento and Prestashop. The biggest difference lies in the e-commerce tools: Payrexx offers payment links, QR Pay, a mini webshop and other tools with which Comerciante can accept payments even without their own online shop. PostFinance offers no such tools and also no QR-Pay feature. For Comerciante who want to use flexible sales channels, Payrexx is therefore more versatile.
Comparison table of plugins and integrations: Payrexx vs PostFinance
Payrexx
PostFinance
Yes
No
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Which provider offers better support – Payrexx or PostFinance?
Both providers offer personal support in Switzerland. As a specialized payment provider, Payrexx focuses on SME support and direct contacts. PostFinance also offers support, but the Google reviews show a clear difference: Payrexx scores 3.9 out of 5 stars from 155 reviews, while PostFinance has only 2.2 out of 5 stars from 178 reviews.
Who is Payrexx suitable for and who is PostFinance suitable for?
Payrexx is particularly suitable for SMEs that also want to use e-commerce tools such as payment links, QR Pay and a mini webshop in addition to pure online payments – and that without setup costs. PostFinance can be interesting for companies that already have a PostFinance business account and appreciate the direct connection to the PostFinance ecosystem. In terms of price and functionality, however, Payrexx has the edge.
How complex is the setup with Payrexx and PostFinance?
At Payrexx, setup is free and quick: registration, verification (if registered by 4 p.m. on the same day) and immediate use. All payment methods are available under a single contract. PostFinance charges one-time setup fees from 199 EUR (Checkout All-in-One) to 249 EUR (Checkout Flex) and requires a business account with PostFinance or a credit card for fee billing. Both providers offer a 30-day trial period.
How much does Payrexx cost compared to PostFinance?
The total costs are very similar with both providers: At 20'000 EUR monthly turnover, Comerciante at Payrexx pay 355 EUR and at PostFinance 365.90 EUR (E-Com Bundle). Payrexx is therefore around 11 EUR cheaper per month. At 100'000 EUR turnover, Payrexx with 1'579 EUR is also ahead of PostFinance (1'749.90 EUR) – a saving of 170.90 EUR per month. One key difference: PostFinance charges one-time setup costs of 199 to 249 EUR, while setup at Payrexx is free.
Cost comparison table: Payrexx vs PostFinance
Provider
Subscription
Setup costs
Monthly costs
Transaction fees
Payrexx
Kostenlos
CHF 0.00
CHF 0.00
2.50%
+
CHF 0.30
Payrexx
Standard
CHF 0.00
CHF 19.00
1.65%
+
CHF 0.18
Payrexx
Premium
CHF 49.00
1.35%
+
CHF 0.18
PostFinance
Checkout All-in-One
CHF 199.00
CHF 14.90
2.50%
+
CHF 0.00
PostFinance
E-Commerce Bundle
CHF 0.00
CHF 19.90
1.55%
+
CHF 0.18
PostFinance
Checkout Flex
CHF 249.00
CHF 19.90
1.55%
+
CHF 0.18
Additional Remarks
Payrexx
Payrexx is especially easy to set up as a payment facilitator – no programming knowledge is required. For verification, a valid photo ID and, if applicable, a commercial register number are required. If registration is completed by 4 p.m., the review takes place on the same day. Start-ups receive a 30% discount, non-profit organizations benefit from a 50% reduction on the transaction fees.
PostFinance
To use PostFinance Checkout, a PostFinance business account or a credit card for fee billing is required. Additionally, one-time setup costs from 199 EUR (Checkout All-in-One) to 249 EUR (Checkout Flex) apply. A free simulation mode enables merchants to test the integration in advance.
Conclusion: Payrexx or PostFinance – which Swiss provider is convincing?
Both providers offer personal support in Switzerland. As a specialized payment provider, Payrexx focuses on SME support and direct contacts. PostFinance also offers support, but the Google reviews show a clear difference: Payrexx scores 3.9 out of 5 stars from 155 reviews, while PostFinance has only 2.2 out of 5 stars from 178 reviews.
