PostFinance Pay
PostFinance is Switzerland's leading payment service provider, offering digital payment solutions for businesses and consumers.
PostFinance is Switzerland's leading payment service provider, offering digital payment solutions for businesses and consumers. As a PSP, it enables secure and efficient payments through bank transfers, credit cards, and e-wallets. PostFinance is integrated with local and international e-commerce platforms, providing businesses with a reliable way to process payments. Consumers benefit from its user-friendly platform for managing payments and finances. With its robust security and customer service, PostFinance is trusted by Swiss consumers and businesses for online transactions.
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What PostFinance Pay costs
Merchants do not pay PostFinance Pay directly. Each payment provider that offers it sets its own rate, so compare a few and ask them to quote.
What you need to onboard
N/A
What the last check found
PostFinance Ltd is Swiss Post's banking subsidiary: FINMA-licensed since 2013, designated systemically important by the SNB in 2015, barred by the Postal Organisation Act from lending on its own book, and holder of a 26.67% stake in TWINT. As a payment method, "PostFinance" is the bank's own acceptance product, today PostFinance Pay, which from July 2024 replaced its two predecessors. The directory's separate postfinance-card and postfinance-efinance listings are therefore retired sub-brands of this same method, not three live capabilities; the directory's own earlier Worldline research reached the same mapping. Worth merging or marking legacy.
Mechanics: the shopper is redirected, scans a QR code on desktop or deep-links into the PostFinance App on mobile, and authenticates by Face ID, Touch ID, card reader or Mobile ID. Worldline classifies it as real-time banking, payment product ID 3203, with full/partial/multiple captures and refunds, pre-authorisation via requiresApproval, tokenisation for card-on-file and merchant-initiated recurring, and express checkout returning address data. Merchants need a direct acceptance contract with PostFinance AG plus a merchant ID entered at the PSP. PostFinance prices it at 1.3% of each sale or return; shopper limits are CHF 10,000/day and CHF 15,000/month.
Coverage is Switzerland and CHF only: PostFinance requires a Swiss business or Swiss third-party bank account, explicitly counts Liechtenstein accounts as foreign, pays out only in Swiss francs, and Payrexx offers it only to merchants in Switzerland. One contradiction to resist: Worldline's method page (identical in en/de/fr) lists 29 EU/EEA/UK countries, but the same field on its iDEAL, Bancontact, eps and TWINT pages carries a single country each, so that list reads as merchant-domicile footprint, not shopper reach.
Silence: Adyen, Stripe, Airwallex and Antom do not list it at all, though all four list TWINT. No name collision found.
Checked again on 2026-10-21 and corrected: I could not refute the coverage. CH/CHF survives unchanged.
Checked against PostFinance Pay’s own documentation on 21 October 2026. Coverage changes; confirm anything you are about to build on.
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Sources · 12
- PostFinance Pay — Worldline Direct documentation · docs.direct.worldline-solutions.comUsed for Payment product ID 3203, real-time banking classification, CHF as the only supported currency, capture/refund/pre-auth/tokenisation/recurring/express-checkout features, QR and app redirect flows, PostFinance AG contract plus merchant ID onboarding, and the anomalous 29-country 'Supported countries' fieldChecked 21 October 2026
- TWINT — Worldline Direct documentation · docs.direct.worldline-solutions.comUsed for Control comparison establishing that Worldline's 'Supported countries' field names a single shopper market (TWINT = Switzerland, CHF); iDEAL, Bancontact and eps pages on the same host behave identically, which is why the 29-country PostFinance list was not propagatedChecked 21 October 2026
- E-payment payment methods — PostFinance (operator) · postfinance.chUsed for Operator confirmation that PostFinance Pay replaces PostFinance Card and PostFinance e-finance, 1.3% commission, CHF 15,000 monthly limit, requirement for a PostFinance or domestic third-party bank account, and the list of integrated PSPs (PostFinance Checkout, Saferpay, Wallee, Payrexx, Computop, GoPay, Planet/Datatrans) plus those adding it during 2025 (incl. HiPay, Unzer, Ingenico, Lyra, Novalnet, Nuvei, PPRO)Checked 21 October 2026
- Questions and answers about PostFinance Pay — PostFinance developer portal · developer.postfinance.chUsed for The coverage constraint: Swiss bank accounts only, Liechtenstein accounts explicitly counted as foreign, payouts possible only in Swiss francs; also shopper limits (CHF 10,000/day, CHF 15,000/month), Face ID / Touch ID / card reader / Mobile ID authentication, token-based recurring, and automatic migration of PostFinance Card aliasesChecked 21 October 2026
- PostFinance Pay — Payrexx merchant documentation · docs.payrexx.comUsed for Independent gateway corroboration: available only to merchants in Switzerland, July 2024 replacement of PostFinance Card and PostFinance E-Finance, feature set (one-time, refund, partial refund, pre-authorisation, tokenisation, recurring), and CHF 0.20–20,000 per-transaction limitsChecked 21 October 2026
- PostFinance — Wikipedia · en.wikipedia.orgUsed for Operator identity: Postfinance Ltd, Bern, wholly owned by state-owned Swiss Post, FINMA banking licence 2013, SNB systemically important 2015, prohibition on own-book lending, and the 26.666% TWINT stakeChecked 21 October 2026
- Worldline Direct documentation sitemap · docs.direct.worldline-solutions.comUsed for Confirming by sitemap (rather than by guessing paths) that Worldline Direct publishes exactly one PostFinance page — postfinance-pay — with no surviving PostFinance Card or e-finance method pagesChecked 21 October 2026
- Adyen payment methods catalogue · docs.adyen.comUsed for Documented absence: no PostFinance entry anywhere in the 113-method catalogue, while TWINT is present, so the gap is a real absence rather than Swiss methods being out of scopeChecked 21 October 2026
- Stripe payment method support matrix · docs.stripe.comUsed for Documented absence: zero PostFinance matches against three TWINT matchesChecked 21 October 2026
- Antom payment methods · docs.antom.comUsed for Documented absence: zero PostFinance matches against two TWINT matches; the Airwallex method list (airwallex.com/docs/payments/payment-methods.md) returned the same resultChecked 21 October 2026
- Airwallex payment methods · airwallex.comUsed for Documented absence of PostFinance (the record buried this URL inside another source's used_for; it resolves). Also the key control for reading country lists: Airwallex splits TWINT into 'shopper location: Switzerland (CH)' and business locations Singapore/EU/UK, which is why Worldline's 29-country PostFinance Pay list reads as a merchant-location field rather than shopper coverage.Checked 21 October 2026
- PostFinance Card — Nuvei Europe guides · docs.nuvei.comUsed for Reason NOT to extend the currency list: a stale gateway page (last modified April 2025) for the retired predecessor, listing Switzerland with EUR and CHF, describing it as 'a prepaid card' and never mentioning the July 2024 replacement. Also evidence that the superseded 'PostFinance Card' label still circulates in gateway docs, which is how the duplicate row in this directory arose.Checked 21 October 2026
12 sources · last checked 21 October 2026 — each one says which claim it supports.
Compiled from public sources — verify with PostFinance Pay before you sign anything. How we compile this · Suggest a correction ·