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Non-profit organizations are collecting donations for a good cause, but they end up paying high transaction costs to donation payment gateway Switzerland.
They are always in search of a payment gateway that helps them with transaction costs and SwissPayout is one of them.
When you are looking to accept donation digitally, Swiss Payout is the best option to choose. There are discounted base rates for non-profits that register with this Swiss payment gateway. More than 14 NPOs in Switzerland use various systems to accept donation online for a good cause.
Want to know more about which is the top donation payment gateway in Switzerland, how much they charge, and how SwissPayout suits your donation needs?
This blog will help you find which payment method that helps you minimize waste and receive charities for the cause you support.
Donation System in Switzerland That Help to Reduce Third-party Costs
When making donations, it is important to consider transaction costs to ensure that the maximum amount of your donation reaches the intended non-profit organization (NPOs).
Transaction costs can vary depending on the payment method and specific provider. Most donation payment gateways in Switzerland cost around 3% on each transaction.
For example, if you are paying 3000 Francs to the NPOs, then 90 francs go to payment service providers. But as a donor, if you want to decrease or minimize these costs, we have listed cost-effective payment methods you can choose to use.
Bank Transfer
Making donations through traditional bank transfers can be a cost-effective option. Many banks in Switzerland offer free or low-cost transfers between their own accounts or within the same banking network.
Non-profit organizations (NPOs) receive donations through digital deposit slips (QR-bill), post office, eBills, or through other options.
You can choose the QR-bill option to send a donation to the organization. While using this method, the sender or recipient doesn’t have to pay any cost to the bank.
However, when you choose to go with a post office transaction instead of online banking, you need to pay certain fees charged by PostFinance. Besides, you can even choose to pay using standing orders, eBills, and direct debits. Check what percentage you need to pay for using these options:
Transfer Type | Transaction Fees |
Online Bank Transfer | None |
Online Baking (QR-bill / deposit slip) | None |
QR-bill / deposit slip (at the post office) | Up to CHF 50: CHF 1.20 Up to CHF 100: CHF 1.60 Up to CHF 1000: CHF 2.35 Up to CHF 10’000: CHF 3.95 |
Direct debit order | None |
eBill | CHF 0.50 or less in most cases |
Credit or Debit Cards
Credit or debit card transactions often come with processing fees. The fees can vary depending on the debit and credit card provider, transaction amount, and the agreement between the non-profit organization and the payment gateway. Fees typically range from 1.5% to 3% of the transaction amount.
Check how much you pay on card usage:
Debit Card | Transaction Fees |
Debit Mastercard | 0.49% + CHF 0.10 / 1.5% (Depending on the merchant acquirer) |
Maestro | CHF 0.28 / 1.5% (Depending on the merchant acquirer) |
Postfinance Card | Up to CHF 5: CHF 0.05 Up to CHF 10: CHF 0.10 More than CHF 10: CHF 0.23 |
Visa Debit | 0.95% + CHF 0.10 / 1.5% (Depending on the merchant acquirer) |
Online Payment Using SwissPayout
Swisspayout is a payment provider that helps non-profit organizations to create online fundraising with individual donation forms. Organizations are using Swisspayout to accept donations online on their websites.
Check More Above SwissPayout: Check More
Swiss payment platform enables non-profit organizations to add donation forms with the purpose and amount needed. Swisspayout enables NPOs to receive donations monthly, quarterly, and annually.
Swisspayout has two offers for NPOs:
- National methods
- International methods
Swisspayout offers national and international payment methods. The fastest way to receive payments is with integrated payment methods like SwissPayout Swiss Collecting and SwissPayout Direct. NPOs can collect payouts through SwissPayout with low fees.
Connecting the SwissPayout with other payment providers or a combo of different providers’ payment methods to avoid paying high transaction fees. The fees are made up of your plan-dependent SwissPayout fees or the external payment provider charges. Check the table to know how much you need to pay as integrated and external payment method fees.
Integrated Payment Method Fees
External Payment Providers (Connectors)
Non-profit Organizations use Swisspayout to set up their own solutions for collecting donations online. For NPOs, online donations make up contributions in single-digit percentages.
TWINT For Donation
NPOs use TWINT to accept donations online. TWINT is integrated into the Swisspayout, helping non-profit organizations to collect donations without paying high transaction fees.
TWINT charges basic fees of 3.0% + CHF 0.30, standard 2.7% + CHF 0.30, and Premium charges of 2.3% + CHF 0.30. TWINT’s transaction fees vary depending on the specific merchant agreement. The fees are typically a small percentage of the transaction amount.
TWINT is a mobile payment solution widely used in Switzerland. It offers a convenient and secure way for donors to make payments through their smartphones. Many Swiss banks support TWINT, and is commonly used for various types of transactions, including donations. Users can use a QR code or other methods to make direct payments.
PostFinance For Donation
PostFinance charges transaction fees based on the payment method used. For credit card payments, the fee is typically around 2.5% of the transaction amount.
E-finance transfers within the PostFinance network are usually free of charge. PostFinance offers secure payment processing, and they provide a range of additional services, such as invoicing and reconciliation tools.
PostFinance is integrated into Swisspayout, making it easier for users to donate to NPOs. Design a custom donation plan and start collecting donations for your projects immediately.
PayPal For Donation
PayPal’s transaction fees vary depending on the country and the type of account. For non-profit organizations registered as charities, PayPal offers discounted transaction fees, usually around 1.9% to 2.9%, plus a fixed fee per transaction.
PayPal is a widely recognized and trusted payment gateway, providing an easy-to-use platform for accepting donations. It supports multiple currencies and offers features like recurring payments and integration options for websites and mobile apps. If you use a QR code for using PayPal, you don’t have to pay higher transaction costs.
Donorbox For Donation
Donorbox charges transaction fees of 1.5% for organizations located in Switzerland when using their Stripe payment integration. Stripe’s transaction fees, as mentioned earlier, apply in addition to Donorbox’s fees.
Donorbox is an online donation platform that focuses on providing user-friendly donation forms and recurring donation options. It integrates with multiple payment gateways, including Stripe and PayPal, and offers customization features for branding and design.
Ending Note
Many non-profit organizations (NPOs) have multiple sources of income, including donations and other forms of funding. When an organization can cover its administrative costs entirely from sources other than donations, it ensures that the donated money goes directly to the intended cause.
The donation costs don’t include the administrative costs. Thus when you donate to NPOs, the entire contribution goes to the cause you support. But you can have full control over donations by using the top donation system in Switzerland that NPOs support. This helps the cause you really care about.
