# PostFinance Pay

## General Information

PostFinance Pay is PostFinance's mobile payment solution, enabling customers in Switzerland to pay online and in brick-and-mortar shops using their smartphone. Payments are processed directly through the PostFinance app.

In July 2024, PostFinance Pay replaced the two previous payment methods: PostFinance Card and PostFinance E-Finance.

### Links

* Information about PostFinance Pay on the [Payrexx](https://payrexx.com/en/postfinance/) website
* [PostFinance Pay](https://www.postfinance.ch/en/private/paying-saving/mobile-payment/pay.html#/) website

## Features

### Payment types

* ✅ One-time payment
* ✅ Refund
* ✅ Partial refund
* ✅ Pre-authorization
* ✅ Tokenization
* ✅ Recurring payments

## Country Availability

PostFinance Pay is only available within [Payrexx Pay](https://docs.payrexx.com/merchant/english/payment-provider/payrexx-pay) and is therefore only accessible to merchants in :flag\_ch: Switzerland:

{% content-ref url="../../country-availability" %}
[country-availability](https://docs.payrexx.com/merchant/english/payment-provider/country-availability)
{% endcontent-ref %}

## Fees

The transaction fees vary depending on the Payrexx [plan](https://docs.payrexx.com/merchant/english/account/settings/plan-and-billing) you choose. For more information, please refer to our [pricing overview](https://payrexx.com/en/prices).

## Setup

{% hint style="info" %}
Make sure you are [logged in with Payrexx](https://login.payrexx.com/) before you start. No account with us yet? [Click here to register.](https://signup.payrexx.com/)
{% endhint %}

{% hint style="warning" %}
In order to apply for PostFinance Pay, the payment provider[ Payrexx Pay](https://docs.payrexx.com/merchant/english/payment-provider/payrexx-pay) must be set up.
{% endhint %}

* In your merchant administration, go to **Payment Providers** in the main menu.
* Click "Configure" next to Payrexx Pay:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FuGYC0yphcfTipBzlIvnm%2Fimage.png?alt=media&#x26;token=0cdd9895-5b2b-428f-9670-13a060816830" alt=""><figcaption><p>Configuring the Payrexx Pay payment provider</p></figcaption></figure></div>

* Activate PostFinance Pay by selecting the corresponding checkbox:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FqeB6O3K9UD5ZhuyaY5Z5%2Fimage.png?alt=media&#x26;token=7c16f6d5-34d9-442c-b860-14f647af9e27" alt=""><figcaption><p>Activating the PostFinance Pay payment method in Payrexx Pay</p></figcaption></figure></div>

* Click the "Save" button at the bottom of the page.

{% hint style="success" %}
The payment method is now activated. Your customers can now pay using PostFinance Pay.
{% endhint %}

{% hint style="info" %}
If the payment page is opened in an iFrame, PostFinance Pay cannot be selected. To learn how your customers can still pay with PostFinance Pay, please refer to the articles [Website Integration "Pages"](https://docs.payrexx.com/merchant/english/account/tools/pages/website-integration) and [Website Integration "Donation"](https://docs.payrexx.com/merchant/english/account/tools/donation/website-integration).
{% endhint %}

## Payment flow from the customer's perspective

In this section, you will learn how a payment with PostFinance Pay is processed.

* The customer selects the "PostFinance Pay" payment method:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2F4ZBCgbAMrApkGSVKmXSv%2Fimage.png?alt=media&#x26;token=af8a9daf-cdef-4edc-9504-d2c20dac791a" alt="" width="282"><figcaption><p>Selection of PostFinance Pay at checkout</p></figcaption></figure></div>

* The customer is then redirected to PostFinance:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FXlYxcn0ODtpWcMe8jTbm%2Fimage.png?alt=media&#x26;token=d0cadd80-bf95-4175-be45-b9b3b6072f72" alt=""><figcaption><p>After being redirected to PostFinance</p></figcaption></figure></div>

* The customer opens the PostFinance App and selects the QR scanner.
* The customer scans the QR code and completes the payment.

{% hint style="success" %}
The PostFinance Pay transaction is now complete.
{% endhint %}

{% hint style="info" %}
Alternatively, customers can use their PostFinance Card to make a regular Mastercard payment and enter their card details as usual, as all PostFinance cards now also function as Mastercard debit cards.
{% endhint %}