Online payments: which terminal should I choose for my e-commerce without overspending?

Online payments are a crucial element for anyone running an e-commerce business in Switzerland. Offering customers simple, secure and fast payment methods helps increase conversions and reduce cart abandonment. However, many traditional solutions come with high fees, fixed costs and extra charges that can significantly eat into company margins.

Here you'll find the main alternatives available on the Swiss market, from traditional gateways such as PostFinance and Worldline through to more modern solutions such as SumUp and TWINT, with their costs and advantages highlighted to help you choose the solution best suited to your e-commerce.

Why choosing the right terminal matters

A payment terminal, whether physical or online, affects:

• Customer experience: fast, reliable payments increase trust.
• Operating costs: fees that are too high reduce margins.
• Integration with your e-commerce: some solutions connect easily to WooCommerce, Shopify or Prestashop, simplifying management.

A poorly chosen terminal can lose you customers, create accounting errors and make day-to-day management heavier.

The main solutions in Switzerland

PostFinance and Worldline

• PostFinance Checkout: monthly fee of around CHF 19.90 + a percentage fee per transaction (1.3% for TWINT/PostFinance Pay, 1.55% for Visa/Mastercard cards) + a minimum per-transaction fee of about CHF 0.20.
• Worldline (formerly SIX Payment Services): fees of around 1.7% plus a small fixed surcharge (CHF 0.19) depending on the type of payment.
  These solutions offer security and established support, but for SMEs they can prove expensive, especially with medium-to-low sales volumes.

SumUp

SumUp is flexible, suitable for both online and in-person sales:

• No standard monthly fee (pay-as-you-go).
• Transaction fees of around 2.5% for online payments.
• Plugins available for WooCommerce, Shopify, Prestashop and Magento.
  It's simple to set up and lets you accept credit/debit card payments without complicated conditions.

Note: some SumUp packages may offer a fixed fee plus a lower commission, but this varies depending on the contract.

TWINT

TWINT is very popular in Switzerland for smartphone payments:

• Official e-commerce plugin with direct integration.
• Fixed fee: 1.3% per transaction.
• No extra monthly fee, you only pay the commission.

TWINT is ideal for offering fast, local payments that Swiss customers appreciate, with a clear and transparent cost.

How to reduce costs

To cut costs, it's worth:

• Comparing fees and fixed charges across different providers.
• Using official SumUp or TWINT plugins, avoiding additional intermediaries.
• Integrating several payment methods: cards + TWINT + PayPal, giving customers a choice without depending on a single provider.

Integration with your CMS and management

Modern solutions offer ready-made plugins for the main CMS platforms:

• WooCommerce: SumUp, TWINT, PayPal.
• Shopify: SumUp, TWINT, PostFinance.
• Prestashop / Magento: support for the main gateways.

This allows centralised management, automatic payment updates and simplified reporting, with no manual entry.

easy4you as your partner

At easy4you, we help Swiss businesses choose the most suitable terminal:

• Analysis of real costs based on sales volume.
• Installation and configuration of plugins on your shop.
• Support with day-to-day payment management and reporting.

This way you can focus on sales without worrying about hidden fees or technical problems.

Conclusion

Choosing the right terminal is essential to reduce costs, improve the customer experience and optimise e-commerce management.
In Switzerland, for SMEs, SumUp and TWINT are economical and flexible solutions, while PostFinance and Worldline are better suited to large volumes or specific support needs.

With easy4you by your side, you can weigh up the most cost-effective options, integrate the plugins you need and guarantee secure payments for your customers.