{"id":6880,"date":"2026-08-04T08:55:00","date_gmt":"2026-08-04T06:55:00","guid":{"rendered":"https:\/\/www.1pay.ch\/?p=6880"},"modified":"2026-11-03T13:49:36","modified_gmt":"2026-11-03T12:49:36","slug":"which-payment-methods-does-an-sme-need","status":"publish","type":"post","link":"https:\/\/www.1pay.ch\/en\/which-payment-methods-does-an-sme-need\/","title":{"rendered":"Which payment methods does a Swiss SME really need?"},"content":{"rendered":"<p style=\"font-size:1.15rem;line-height:1.65;color:#2A2F33;margin:0 0 1.4em\">More payment methods means more sales? Only up to a point. A checkout with twenty logos is confusing. What matters is having the methods your customers actually use. Here&#8217;s the essential list for Switzerland.<\/p>\n<h2 style=\"font-size:clamp(1.4rem,4vw,1.9rem);line-height:1.25;margin:1.6em 0 .6em;color:#1D3D78\">The 4 essentials<\/h2>\n<ul>\n<li style=\"margin-bottom:.4em\"><strong>Debit and credit cards<\/strong> (Visa, Mastercard): the debit card is the most used means of payment in Swiss <a href=\"https:\/\/www.1pay.ch\/en\/solutions\/shops\/\">shops<\/a>.<\/li>\n<li style=\"margin-bottom:.4em\"><strong>TWINT<\/strong>: the phone payment method almost everyone has.<\/li>\n<li style=\"margin-bottom:.4em\"><strong>Apple Pay and Google Pay<\/strong>: people who pay with their phone or watch expect them.<\/li>\n<li style=\"margin-bottom:.4em\"><strong>Cash<\/strong> (in store): still preferred by some customers for small amounts.<\/li>\n<\/ul>\n<h2 style=\"font-size:clamp(1.4rem,4vw,1.9rem);line-height:1.25;margin:1.6em 0 .6em;color:#1D3D78\">To add depending on your business<\/h2>\n<h3 style=\"font-size:1.2rem;line-height:1.3;margin:1.3em 0 .4em;color:#1D3D78\">If you sell online<\/h3>\n<p><strong>PostFinance Pay<\/strong>, popular with PostFinance customers, plus <strong>Klarna<\/strong> or payment <strong>by invoice<\/strong> for larger amounts, when the customer wants to pay later.<\/p>\n<h3 style=\"font-size:1.2rem;line-height:1.3;margin:1.3em 0 .4em;color:#1D3D78\">If you have customers from abroad<\/h3>\n<p>Tourists and European customers appreciate <strong>European methods<\/strong> such as SEPA or iDEAL, and international cards such as American Express.<\/p>\n<h3 style=\"font-size:1.2rem;line-height:1.3;margin:1.3em 0 .4em;color:#1D3D78\">If you work in tourism or hospitality<\/h3>\n<p><strong>Reka<\/strong> is widely used by people who receive the vouchers as an employee benefit.<\/p>\n<h3 style=\"font-size:1.2rem;line-height:1.3;margin:1.3em 0 .4em;color:#1D3D78\">If you work with businesses<\/h3>\n<p>The <strong>invoice<\/strong> with online payment, alongside the classic QR-bill.<\/p>\n<p style=\"font-weight:600;color:#1D3D78;margin:1.4em 0 .2em\">The methods at a glance<\/p>\n<div style=\"overflow-x:auto\">\n<table style=\"width:100%;border-collapse:collapse;margin:.4em 0 1.4em;font-size:.95rem\">\n<thead>\n<tr>\n<th style=\"border-bottom:2px solid #E3E8EC;padding:10px 8px;text-align:left;color:#1D3D78;vertical-align:bottom\">Method<\/th>\n<th style=\"border-bottom:2px solid #E3E8EC;padding:10px 8px;text-align:left;color:#1D3D78;vertical-align:bottom\">For whom<\/th>\n<th style=\"border-bottom:2px solid #E3E8EC;padding:10px 8px;text-align:left;color:#1D3D78;vertical-align:bottom\">When to switch it on<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Debit and credit cards<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Everyone<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Straight away<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">TWINT<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Everyone<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Straight away<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Apple Pay and Google Pay<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">People paying by phone<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Straight away<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">PostFinance Pay<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">PostFinance customers<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">If you sell online<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Klarna, TWINT pay later, invoice<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Larger amounts<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Online above CHF 100.-<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">SEPA, iDEAL, American Express<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Customers from abroad<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">If you have tourists or EU customers<\/td>\n<\/tr>\n<tr>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Reka<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">Tourism and hospitality<\/td>\n<td style=\"border-bottom:1px solid #E3E8EC;padding:10px 8px;text-align:left;vertical-align:top\">If customers ask for it<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div style=\"background:#EEF6F5;border-radius:14px;padding:18px 22px;margin:1.4em 0\">\n<p style=\"font-weight:700;color:#1D3D78;margin:0 0 .3em\">The rule of thumb<\/p>\n<p style=\"margin:0\">Start with the 4 essentials. Then listen to your customers: if they ask for a method more than twice a month, switch it on. With 1pay.ch they&#8217;re all already included in the same contract, so adding a new one doesn&#8217;t need a new application.<\/p>\n<\/div>\n<h2 style=\"font-size:clamp(1.4rem,4vw,1.9rem);line-height:1.25;margin:1.6em 0 .6em;color:#1D3D78\">And the costs?<\/h2>\n<p>Each method has its own fee, shown in the price list. On the 1pay.ch Starter plan there&#8217;s no monthly fee: you only pay when you get paid. The features, including all methods, are identical on every plan. See the <a href=\"https:\/\/www.1pay.ch\/en\/pricing\/\">pricing<\/a> in detail.<\/p>\n<div style=\"background:#EAF1FB;border-radius:14px;padding:20px 22px;margin:1.6em 0\">\n<p style=\"font-weight:700;color:#1D3D78;margin:0 0 .3em\">Not sure which methods to start with?<\/p>\n<p style=\"margin:0\">Call or message us: in five minutes we&#8217;ll choose the right methods for your business together.<\/p>\n<p style=\"margin:.6em 0 0\"><strong>Phone<\/strong> <a href=\"tel:+41918574737\">+41 91 857 47 37<\/a> \u00b7 <strong>WhatsApp<\/strong> <a href=\"https:\/\/wa.me\/41798574737\" target=\"_blank\" rel=\"noopener\">+41 79 857 47 37<\/a> \u00b7 <a href=\"mailto:info@1pay.ch\">info@1pay.ch<\/a><\/p>\n<\/div>\n<div style=\"background:#1D3D78;color:#fff;border-radius:16px;padding:26px 24px;margin:2em 0\">\n<p style=\"color:#fff;font-size:1.3rem;font-weight:700;margin:0 0 .4em\">Switch on the right methods<\/p>\n<p style=\"color:#E8EEF7;margin:0 0 1em\">Sign up for free and choose the methods your customers need. You can add more at any time.<\/p>\n<p><a href=\"https:\/\/signup.1pay.ch\/en\/?product=Starter-all\" style=\"display:inline-block;background:#fff;color:#1D3D78;font-weight:700;border-radius:12px;padding:12px 20px;text-decoration:none\">Sign up for free<\/a><\/div>\n<div style=\"background:#EEF6F5;border-radius:14px;padding:18px 22px;margin:1.4em 0\">\n<p style=\"font-weight:700;color:#1D3D78;margin:0 0 .3em\">You might also like<\/p>\n<ul style=\"margin:0;padding-left:1.2em\">\n<li style=\"margin-bottom:.4em\"><a href=\"https:\/\/www.1pay.ch\/en\/many-payment-methods-one-contract\/\">Accept many payment methods without the paperwork: one contract instead of ten<\/a><\/li>\n<li style=\"margin-bottom:.4em\"><a href=\"https:\/\/www.1pay.ch\/en\/selling-online-made-simple\/\">Selling online made simple: from your first product to your first payment<\/a><\/li>\n<li style=\"margin-bottom:.4em\"><a href=\"https:\/\/www.1pay.ch\/en\/free-plan-or-monthly-fee\/\">Free plan or monthly fee? When to move to Small, Medium or Large<\/a><\/li>\n<\/ul>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>You don&#8217;t need 20 payment methods to sell more. Four or five, well chosen, are enough. The essential list for shops, freelancers and online shops in Switzerland.<\/p>\n","protected":false},"author":1,"featured_media":6879,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[143],"tags":[],"class_list":["post-6880","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/posts\/6880","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/comments?post=6880"}],"version-history":[{"count":1,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/posts\/6880\/revisions"}],"predecessor-version":[{"id":6906,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/posts\/6880\/revisions\/6906"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/media\/6879"}],"wp:attachment":[{"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/media?parent=6880"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/categories?post=6880"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.1pay.ch\/en\/wp-json\/wp\/v2\/tags?post=6880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}