We analyze your current transaction fees and show you how much you can specifically save – with a clearly documented comparison based on your statement. Free of charge, non-binding, transparent.
International
P-Swiss AG supports payment projects in Germany and other European markets. We individually assess the actual availability of a suitable solution for each country, industry, and business model.
In suitable initial situations, our analyses show an average savings potential of around 20% on previous credit card transaction costs.
This figure is a non-binding guideline. Actual savings depend, among other things, on terms, card mix, revenue, terminal costs, and contract structure.
Most Swiss SMEs pay between 1.5 % and 3.0 % of their turnover as transaction fees. With an annual turnover of CHF 1 million, this equates to up to CHF 30,000 in unnecessary costs – every year.
P-Swiss AG analyzes your rates free of charge and provides a clear assessment. Depending on your industry, volume, and existing contract structure, significant savings are possible – with no switching risk and no upfront costs.
Illustrative example – no price promise
| Annual turnover | Previous (2.0 %) | Optimized (Example) | Annual savings |
|---|---|---|---|
| CHF 500'000 | CHF 10'000 | CHF 4'500 | + CHF 5'500 |
| CHF 1'000'000 | CHF 20'000 | CHF 9'000 | + CHF 11'000 |
| CHF 2'000'000 | CHF 40'000 | CHF 18'000 | + CHF 22'000 |
| CHF 5'000'000 | CHF 100'000 | CHF 45'000 | + CHF 55'000 |
Illustrative values only. Actual differences depend on industry, volume, card mix, and provider.
This illustrates how fee optimization can affect different industries.
With annual card volume of CHF 2.5 million, transaction costs fall from CHF 40'000 to CHF 23'750 when the fee is reduced from 1.60% to 0.95%. This represents potential annual savings of CHF 16'250, or 40.6%.
With annual card volume of CHF 1.25 million, transaction costs fall from CHF 23'750 to CHF 11'875 when the fee is reduced from 1.90% to 0.95%. This represents potential annual savings of CHF 11'875, or 50.0%.
With annual card volume of CHF 8 million, transaction costs fall from CHF 96'000 to CHF 76'000 when the fee is reduced from 1.20% to 0.95%. This represents potential annual savings of CHF 20'000, or 20.8%.
Non-binding model examples: Actual savings depend, among other things, on the card mix, card origin, average transaction amount, terminal and fixed costs, and individual contract terms. The definitive calculation is based on the current merchant statement.
Quick model calculation: Enter your values and update the model calculation with a single click. Your inputs will be retained.
Your fee comparison
Example calculation
With CHF 1,000,000 in annual card volume:
Current at 1.50%
CHF 15'000
Model at 0.90%
CHF 9'000
Potential savings: CHF 6,000 per year
Non-binding example. Actual savings depend on card mix, contract, terminals and other fees.
Credit cards in the model
0,83 %
Debit cards in the model
0,47 %
Effective model fee
0,61 %
Current p.a.
CHF 7'500
Model p.a.
CHF 3'072
Percentage points
0,89 pp
Relative
59,0 %
Calculated annual difference
CHF 4'428
per year before terminal, base, and special fees.
Non-binding model calculation based on the provided IC++ Excel logic; no offer and no price guarantee. The definitive fee analysis is based on your current merchant statement.
Our process is transparent and tailored to your business model.
We review your current transaction fees – non-binding, free of charge, and without risk. You will receive an initial assessment within 24 hours.
You receive an individual offer with clearly stated savings in francs and centimes – transparent and without hidden costs.
Switch to P-Swiss or renegotiate with your provider – the decision rests entirely with you. We accompany you every step of the way.
We review your transaction costs comprehensibly, transparently, and based on the statement you submit.
A suitable payment solution enables the acceptance of relevant payment types in Switzerland and internationally.
In addition to payment processing, we assess which POS and hardware solution fits your industry, workflow and payment methods. Availability, compatibility and costs are reviewed individually.
Touchscreen POS systems for restaurants, bakeries, beauty and retail.
Android tablets and mobile handhelds for stationary or flexible checkout.
Self-service, integrated printing and clear ordering flows for kitchen and guests.
Thermal printers, scanners, cash drawers, label printers and further accessories.
Coordinate the POS system, payment terminal and relevant payment methods.
Review existing workflows, prepare the new solution and support the transition.
Non-binding guidance: The specific hardware, software, interfaces and payment processing are determined after reviewing the operation and requested functions.
Non-binding, transparent, and without upfront costs. We show you in francs and centimes what you can save – within 24 hours.
Transparent instead of hidden
Use our offer to renegotiate with your previous provider and demonstrably obtain better conditions there; a savings participation can be agreed upon.
The agreement is simple: P-Swiss AG receives 50% of the documented net savings over five years, settled quarterly. Without demonstrated savings, no success fee is charged.
We analyze fees, card mix, and contract costs with no upfront costs.
You can switch or renegotiate with your previous provider.
With documented savings: 50% of the net savings over five years, settled quarterly.
Worldline, Nexi and SumUp work with different pricing and contract models. Even with previously negotiated conditions, card mix, scheme fees, terminal costs, and contract duration can affect the outcome. P-Swiss AG reviews your actual statement free of charge and individually.
* Figures are based on publicly available market data. Your personal conditions may vary – which is why we analyze individually.
| What we review | Worldline / Nexi / SumUp | P-Swiss AG |
|---|---|---|
| Transaction fees | Standard rate or negotiated? | We get the best out of it |
| Hidden fees | Scheme fees, interchange often unclear | ✓ Full transparency |
| Terminal costs | Purchase / rental often overpriced | ✓ Optimized offer |
| Contract duration | 24 – 36 months commitment | ✓ Optimize switching timing |
| Free analysis | ✗ Not offered | ✓ Free & non-binding |
| TWINT, Alipay, PostFinance | Partially | ✓ All methods |
| Personal contact person | Depending on model | ✓ Your personal account manager directly |
Send us your current statement – we will show you within 24 hours how much you can save per year. Non-binding, free of charge, discreet.
Answers to the most important questions regarding payment solutions and transaction fees in Switzerland.
Send us your last card statement or your Excel evaluation. We will review your effective fees and get back to you with a personal assessment.