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 clear 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 EUR 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, lack of e-commerce tools and a low Google rating of 2.2 stars.
Worldline offers no monthly fixed costs, omnichannel solutions and dynamic currency conversion. Disadvantages are the non-transparent 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-time)
Low Google rating
Worldline
Advantages
Numerous payment methods (including TWINT and PostFinance Pay)
No monthly fixed costs
High recognition
Support for omnichannel payments (POS)
Disadvantages
Partially paid plugins
No e-commerce tools
Fees not transparent
Paid support hotline
Relatively 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 offers Samsung Pay, Centi, or Pay by Bank. With 14 payment methods compared to 12, PostFinance has a slightly broader coverage, covering the Swiss market somewhat more comprehensively.
Comparison table of payment methods PostFinance vs Worldline
PostFinance
Worldline
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 of plugins and integrations PostFinance vs Worldline
PostFinance
Worldline
What is the status of the support at PostFinance and Worldline?
PostFinance offers personal support in Switzerland. Worldline relies on a paid support hotline. Google reviews: Worldline 2.9 stars (674 reviews), PostFinance 2.2 stars (178 reviews). Both providers have relatively 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 companies that are already anchored in the PostFinance ecosystem and are looking for a favorable Swiss solution with personal support. Worldline is the better choice for companies with an international orientation, omnichannel needs and the desire for dynamic currency conversion without fixed monthly costs.
How complex is the setup with PostFinance and Worldline?
PostFinance charges a one-time setup fee of 199 to 249 EUR 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 don't want to pay setup costs, you can get started faster with Worldline.
How much does PostFinance cost compared to Worldline?
With a monthly turnover of 20,000 EUR, PostFinance costs 365.90 EUR (E-Com Bundle) and Worldline costs 378 EUR. PostFinance is therefore 12.10 EUR cheaper per month. With a turnover of 100,000 EUR, the difference grows: PostFinance 1,749.90 EUR, Worldline 1,890 EUR – a difference of 140.10 EUR monthly. PostFinance charges one-time setup costs of 199–249 EUR, while Worldline waives setup fees. In the long term, PostFinance is the more favourable solution.
Comparison table costs PostFinance vs Worldline
Provider
Subscription
Setup costs
Monthly costs
Transaction fees
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 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
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.
Worldline
At Worldline, transaction fees are not always fully transparent – individual conditions must be requested from Sales. A paid hotline is used for support requests. In addition to e-commerce packages, Worldline also offers a combined offer with Wix for Comerciante:innen who want to build an online shop at the same time.
Conclusion: PostFinance or Worldline – which provider is more convincing?
PostFinance offers personal support in Switzerland. Worldline relies on a paid support hotline. Google reviews: Worldline 2.9 stars (674 reviews), PostFinance 2.2 stars (178 reviews). Both providers have relatively low ratings. PostFinance at least offers free support, whereas with Worldline every inquiry costs extra.
