Many small businesses in Switzerland still accept only cash, or cards “from CHF 20”. The reason is almost always the same: fees. But cash has costs that never appear on an invoice. Here are seven real benefits of a POS terminal, and how to work out whether it pays off for you.<\/p>\n
According to the Swiss National Bank survey, the debit card is now the most used means of payment in Swiss shops<\/a>. A customer who walks in without cash and sees “cash only” often leaves without buying. You won’t see that lost sale in any account, but it’s there.<\/p>\n With a card, people spend more freely: they aren’t limited by what’s in their wallet. A coffee becomes a coffee and a croissant, the CHF 30.- gift becomes the CHF 45.- one.<\/p>\n Float, change, cashing up at night, tracking down shortfalls, the trip to the bank. Every electronic payment is recorded to the cent and lands in your account without you touching it.<\/p>\n Less cash in the shop means less risk of theft and less money to carry. You feel it most at closing time in the evening.<\/p>\n A contactless payment takes a few seconds. At peak times, at the bar<\/a> or the kiosk, that means shorter queues and fewer customers giving up.<\/p>\n With the 1pay.ch terminal you accept debit and credit cards, TWINT, Apple Pay, Google Pay, Samsung Pay and even crypto. You don’t have to manage separate contracts for each method.<\/p>\n Every payment appears in the dashboard with date, time and amount. You export everything to CSV or Excel for your accountant, and at the end of the year you automatically get a statement.<\/p>\n What it really costs<\/p>\n With 1pay.ch the terminal costs CHF 25.- a month, SIM included, with no upfront costs. Debit card fees at the POS start at 1.25% + CHF 0.20 on the Large plan. On the Small plan they are 1.85% + CHF 0.30: on a CHF 40.- sale, about CHF 1.04.<\/p>\n<\/div>\n Terminal fees with a debit card<\/p>\n2. Higher average spend<\/h2>\n
3. Less time counting, fewer till errors<\/h2>\n
4. More security<\/h2>\n
5. Faster payments<\/h2>\n
6. One device, many methods<\/h2>\n
7. Simpler bookkeeping<\/h2>\n