With 1pay.ch you can take payments for free forever on the Starter plan, paying only a fee on transactions. So why would anyone choose a paid plan? Because above a certain volume, the monthly fee pays for itself through lower transaction fees. Here’s how to tell whether that moment has come for you.<\/p>\n
First, a point many people don’t expect: every plan has the same features.<\/strong> TWINT, cards, QR codes, payment links, invoices, online shop, POS terminal and Tap to Pay are included even on the free Starter plan. Only the fees change. So the choice is purely financial.<\/p>\n With an annual subscription the monthly fee drops by 20%, with two years by 30% and with three years by 40%.<\/p>\n At the terminal the differences between plans are large. With a debit card, Starter costs 2.9% + CHF 0.30, Small 1.85% + CHF 0.30, Medium 1.55% + CHF 0.25 and Large 1.25% + CHF 0.20. With an average sale of CHF 40.-, the numbers give these thresholds:<\/p>\n A shop or a bar passes the first threshold quickly.<\/p>\n Online, the step from Starter to Small is small (2.9% against 2.5%), while the step to Medium is larger. The result: with an average sale of CHF 50.-, Starter<\/strong> stays cheapest up to about CHF 3’100.-<\/strong> of online takings a month; above that it pays to move straight to Medium<\/strong>, and above about CHF 3’750.-<\/strong> to Large<\/strong>. For businesses that only sell online, Small is rarely the best choice.<\/p>\n The cheapest plan by monthly takings<\/p>\nThe plans in brief<\/h2>\n
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Example 1: payments at the terminal<\/h2>\n
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Example 2: online sales<\/h2>\n