PostFinance Pay
Country: Switzerland (CH) | Payment Rail: bank_clearing
OnlineBanking
Market Adoption: 18%
PostFinance Pay is a major Swiss online banking and debit payment solution by Swiss Post, featuring direct account debit and strong authentication widely used for e-commerce, utilities, and public services.
🔄 User Payment Flow
- User selects PostFinance Pay at merchant checkout
- User scans PostFinance QR code on desktop or approves mobile app deep link
- User logs in and confirms debit in PostFinance App with FaceID/fingerprint
- Funds are debited directly from customer PostFinance account
- Order is confirmed with instant receipt
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant initiates checkout session via PostFinance Checkout API or PSP
- PostFinance presents secure authentication gateway to user
- Customer authorizes charge within PostFinance banking app
- Merchant receives synchronous transaction confirmation and settlement callback
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Stripe🔌 Adyen