
In Switzerland, there are over 100,000 clubs and associations – and almost every one of them is sooner or later faced with the question: How do I collect membership fees, donations, tickets, and event revenues digitally? Whether cashless at the club festival, membership fees via payment link, donations through 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, how much it costs, and which Swiss providers are suitable.
This overview page summarizes all five guides and helps you find the right starting point – whether you are planning a club festival, want to modernize the annual fee collection, or as an umbrella organization want to bring 50 branches under one platform.
Guide 1: Cashless payment collection at the club festival
QR code · Tap to Pay · Card terminal · Festival catering
At the club 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 payment collection at the stand – printed QR code (EUR 0 hardware), Tap to Pay on the helper's smartphone, and mobile card terminal – and shows you how to get ready to go in 30 minutes.
For whom: Sports clubs (amateur tournaments, home game festival catering), music clubs (annual concert with bar), scouts (neighborhood festival stand), shooting clubs (village festival), any club with 1–4 festivals per year.
Core topics: Three methods compared (8 criteria), cost calculation for 80–200 transactions, setup instructions per method, billing for club bookkeeping, three practical examples (football tournament, concert, scout flea market).
→ To the Guide: Cashless payment collection at the club festival
Guide 2: Collecting membership fees digitally
Payment link · Recurring · QR-bill · Club software
The annual fee collection is the biggest time-killer for every club treasurer: Excel lists, sending QR-bills, following up for weeks, writing reminders. A payment link (Paylink) via email solves the problem: member clicks, chooses TWINT or credit card, pays in seconds. The treasurer sees the payment immediately. This guide compares four methods – from the payment slip to club software – and calculates from when the switch pays off.
For whom: Any club 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 compared (Excel vs. Paylink vs. Webshop vs. Club software), cost calculation for 200 members at EUR 120, recurring payments (Recurring), practical example "Gymnastics club: from 6 weeks to 12 days", step-by-step guide.
→ To the Guide: Collecting membership fees digitally
Guide 3: Collecting donations as a Swiss club
Donation form · QR code donation · Recurring Donations · Tax basics
For non-profit clubs, support associations, animal welfare clubs, and social projects, donations are the main source of income. This guide shows you how to set up an online donation form with a logo and suggested amounts, offer QR code donations on-site at the stand or on flyers, and automate benefactor contributions as recurring donations. In addition, it explains the tax basics: When is a club allowed to issue donation receipts, and what is required for cantonal tax exemption?
For whom: Non-profit clubs, support associations, animal shelters, parents' associations, charities, social projects – all clubs where donations are a central source of income.
Core topics: Four donation channels (Form, QR, Paylink, Recurring), provider comparison (RaiseNow vs. PSP vs. Club software), TWINT-only QR vs. multi-payment method QR, benefactor levels, tax exemption and donation receipt, cost calculation for EUR 15,000 donation volume.
→ To the Guide: Collecting donations as a Swiss club
Guide 4: Club 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 – that works until orders get lost and payments are missing. A mini webshop displays the offer, takes the order, and collects the payment in a single step. No programming knowledge required, no own website, set up in under an hour.
For whom: Sports clubs (jerseys, caps, water bottles), cultural clubs (concert tickets, theater), course-offering clubs (yoga 10-session pass, cooking course single booking), any club 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 + pickup at the event), cost calculation for 50 orders/month, step-by-step setup.
→ To the Guide: Create a club shop
Guide 5: Payment solution for associations – one platform for all branches
Platform · Split Payment · Sub-Merchants · Association reporting
Umbrella organizations with 20–500 branches face a structural problem: each branch has its own payment solution (or none at all), the association has zero overview and has to manually request the association's share. The solution: A central payment platform where each branch receives its own account with its own branding and its own payout. Through split payment, the association's share is automatically deducted with every transaction. No content in the Swiss market covers this topic – this guide is the first.
For whom: Cantonal sports associations, professional associations with continuing education offers, music associations with regional branches, umbrella organizations with a branch structure.
Core topics: Three architecture models (Decentralized vs. Platform vs. White Label), split payment explained, sub-merchant onboarding, two reporting levels, three scenarios (sports association, professional association, music association), regulatory aspects (AMLA, FINMA, SRO), cost comparison with 40 branches and EUR 500,000 volume.
→ To the Guide: Payment solution for associations
Which guide fits your club?
All five guides at a glance – sorted by payment occasion, Payrexx product, and typical club type.
Guide | Payment occasion | Payrexx product | Costs from | Ideal for |
Club festival cashless | Festival catering, village festival, tournament | EUR 0 (QR) / 1.3 % | Sports clubs, music clubs, scouts | |
Membership fees digital | Annual fee, seasonal fee, course | EUR 0 (Free subscription) / 1.3 % | Gymnastics clubs, choirs, martial arts | |
Collecting donations | Ongoing benefactor fees, campaigns, events | EUR 0 (Free subscription) / 1.3 % | Support, animal, social clubs | |
Club shop | Merch, tickets, course registrations | Mini-Webshop (Pages) | EUR 0 (Free subscription) / 1.3 % | Sports (merch), culture (tickets), course |
Association as a platform | Branch fees, central events | Individual | Umbrella and cantonal associations |
All prices excl. VAT. Fees apply to Swiss consumer cards and TWINT. As of 2026, reference values.
Bookkeeping and billing for clubs
No matter which payment solution your club chooses – at the end of the event or the collection cycle, the cash register must balance. Modern payment service providers provide you with an online Dashboard with daily closing, CSV export, and breakdown by payment method. This greatly facilitates the club treasurer's work and the audit by the auditing body.
Accounting in the Swiss KMU chart of accounts: You book PSP transaction fees as bank charges (account 6840) – without VAT deduction, as payment services are tax-exempt 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 club account.
For most Swiss clubs, the following applies: As long as the annual turnover remains below EUR 100,000 and the club is not registered in the commercial register as commercial, no value-added tax is due. Revenues from fees, donations, festivals, and shop sales are recorded as income in the club bookkeeping – regardless of whether they were collected in cash or cashless.
All club payments from a single source
With Payrexx, you combine QR code payments, Paylinks, mini webshop, and platform solutions via a single account – with consolidated billing and payout to your Swiss club IBAN. Non-profit organizations 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 EUR 0 (Free subscription). Physical card terminals cost a one-time fee starting at EUR 29 or can be rented. QR code payments do not require any hardware.
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Does an association need a business license or a special licence to accept payments digitally?
No. Swiss associations under Art. 60 ff. ZGB can open an account with a Payment Service Provider (PSP) without a business license. For this, the association needs statutes, 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 enabled. Add credit and debit cards (Visa, Mastercard) as well as PostFinance Pay. For clubs 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 recognized by the cantonal tax authority as charitable and is tax-exempt. Requirements: charitable purpose, no distribution of profits to members, allocation of the association's assets upon dissolution. Sports and cultural associations that primarily serve their members generally do not meet these criteria.
What is the difference between a payment link and a mini web shop?
A payment link (Paylink) leads to a single payment page with a prefilled amount – ideal for membership fees and donations. A mini webshop displays multiple products with images, descriptions and variants (e. g. size, color) – 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-Comerciante with its own branding and own payout. Via Split Payment, the association share is automatically deducted with 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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