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PostFinance

PostFinance

Swiss merchants

VS

Bancontact Payconiq

Belgian mobile payments

Bancontact Payconiq
Fees from
1.2-1.8% vs €0.06 per transaction
Features

1 shared

1 unique to PostFinance · 1 unique to Bancontact Payconiq
Regions

1 shared

Pay methods

1 shared

3 unique to PostFinance · 3 unique to Bancontact Payconiq
On settlement

PostFinance settles in 2 business days; Bancontact Payconiq settles in Next business day. Verify directly with each provider before signing.

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Show full specs
3 features · 7 payment methods · 1 regions. We don't rank these — they're here for reference.
PostFinance PostFinance
Bancontact Payconiq Bancontact Payconiq
Quick Facts
Fees
Standard transaction rate
1.2-1.8%
€0.06 per transaction
Settlement
Time to receive funds
2 business days
Next business day
Founded
1906
2014
Headquarters
Bern, Switzerland
Brussels, Belgium
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Instant Payout Unique
—
✓
Low Fees Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Bank Transfer Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Mobile Payment
✓
✓
Open Banking Unique
—
✓
Qr Code Unique
—
✓
Real Time Payments Unique
—
✓
Regions
Europe
✓
✓

PostFinance is best when you...

Swiss merchants
Need Low Fees
Not available with Bancontact Payconiq
View PostFinance

Bancontact Payconiq is best when you...

Belgian mobile payments
Need Instant Payout
Not available with PostFinance
View Bancontact Payconiq

Frequently Asked Questions

What is the difference between PostFinance and Bancontact Payconiq?
They share 1 payment method and 1 region. PostFinance adds Bank Transfer, Credit Card, Debit Card that Bancontact Payconiq does not list; Bancontact Payconiq adds Open Banking, QR Code, Real-Time Payments that PostFinance does not list; only PostFinance offers Low Fees; only Bancontact Payconiq offers Instant Payout.
Which is cheaper, PostFinance or Bancontact Payconiq?
PostFinance has published rates from 1.2-1.8%; Bancontact Payconiq has published rates from €0.06 per transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use PostFinance and Bancontact Payconiq?
PostFinance lists 1 region and 4 payment methods; Bancontact Payconiq lists 1 and 4. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PostFinance and Bancontact Payconiq compare on integration and settlement?
both offer a sandbox; both support webhooks; PostFinance settles in 2 business days, Bancontact Payconiq in Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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