{"id":30145,"date":"2026-01-10T21:18:43","date_gmt":"2026-01-10T20:18:43","guid":{"rendered":"https:\/\/swipay.ch\/understanding-payment\/cost-structures\/"},"modified":"2026-01-13T09:10:33","modified_gmt":"2026-01-13T08:10:33","slug":"cost-structures","status":"publish","type":"page","link":"https:\/\/swipay.ch\/en\/understanding-payment\/cost-structures\/","title":{"rendered":"Cost structures"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background fusion-parallax-none hundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling lazyload\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-image:linear-gradient(45deg, rgba(142,49,43,0.4) 0%,rgba(20,22,23,0.6) 100%);;--awb-background-size:cover;--awb-flex-wrap:wrap;\" data-bg=\"https:\/\/swipay.ch\/wp-content\/uploads\/2025\/07\/SwiPay_Netzwerk.jpg\" data-bg-gradient=\"linear-gradient(45deg, rgba(142,49,43,0.4) 0%,rgba(20,22,23,0.6) 100%)\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-align-content-center fusion-flex-justify-content-flex-end fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-reading-box-container reading-box-container-1\" style=\"--awb-title-color:var(--awb-color5);--awb-margin-top:4%;--awb-margin-bottom:20px;\"><div class=\"reading-box\" style=\"background-color:rgba(249,249,251,0.8);border-width:2px;border-color:rgba(226,226,226,0);border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><h2>Cost structures in payment<\/h2><div class=\"reading-box-description fusion-reading-box-additional\">Payment costs often seem difficult to grasp in everyday life. Invoices contain items that cannot be immediately classified, and comparisons between providers rarely feel clear. Many companies know what they are paying for - but not always what exactly.  <\/div><div class=\"reading-box-additional\">\n<p>This is not so much due to a lack of transparency on the part of individual participants, but rather to the structure of the system itself. Payment costs do not arise in one place, but are made up of several components.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:2%;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><nav class=\"fusion-breadcrumbs awb-yoast-breadcrumbs fusion-breadcrumbs-1\" style=\"--awb-alignment:center;--awb-text-color:var(--awb-color6);--awb-current-page-color:var(--awb-color5);--awb-separator-color:var(--awb-color4);--awb-breadcrumb-sep:&#039;\/&#039;;text-align:center;\" aria-label=\"Breadcrumb\"><span><span><a href=\"https:\/\/swipay.ch\/en\/\">SwiPay<\/a><\/span><\/span><\/nav><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;flex-grow:10;margin-top:2%;margin-bottom:2%;width:100%;max-width:95%;\"><div class=\"fusion-separator-border sep-shadow\" style=\"--awb-height:20px;--awb-amount:20px;background:radial-gradient(ellipse at 50% -50% , var(--awb-color3) 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-webkit-radial-gradient(ellipse at 50% -50% , var(--awb-color3) 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-moz-radial-gradient(ellipse at 50% -50% , var(--awb-color3) 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);background:-o-radial-gradient(ellipse at 50% -50% , var(--awb-color3) 0px, rgba(255, 255, 255, 0) 80%) repeat scroll 0 0 rgba(0, 0, 0, 0);\"><\/div><\/div><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Why payment costs seem so complex<\/h2><\/div><div class=\"fusion-text fusion-text-1\"><p>A payment is not just a technical process. It passes through various stages, is checked, forwarded, secured and settled. Each of these levels entails its own costs.  <\/p>\n<p>These costs have grown historically, are regulated internationally and are partly fixed. They cannot be changed or summarized at will. This results in a cost structure that is correct &#8211; but still requires explanation.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Which cost types there are in principle<\/h2><\/div><div class=\"fusion-text fusion-text-2\"><p>Different types of costs appear in payment, which are often perceived as being mixed up. These include, among others: <\/p>\n<ul>\n<li>Costs specified by maps and regulations<\/li>\n<li>Fees for financial processing<\/li>\n<li>Fees for technical services and services<\/li>\n<\/ul>\n<p>These components have different causes and different possible influences. Only when they are considered separately does it become clear why total costs can be made up so differently.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Why comparisons are often misleading<\/h2><\/div><div class=\"fusion-text fusion-text-3\"><p>Payment costs are often compared using percentage values. This seems simple, but ignores important correlations. Different billing models, payment methods and usage profiles mean that the same percentage can have very different effects in practice.  <\/p>\n<p>A comparison without context therefore says little. It shows a value, but not the structure behind it. This is precisely where the feeling of a lack of transparency arises &#8211; although the individual components could certainly be explained.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">What you can influence &#8211; and what you can&#8217;t<\/h2><\/div><div class=\"fusion-text fusion-text-4\"><p>Not all payment costs are negotiable. Certain fees are systemic and apply equally to all market participants. Other components depend on the setup, usage behavior or contractual agreements.  <\/p>\n<p>If you understand which costs are fixed and where there is room for maneuver, you can make better decisions. Not every deviation is a disadvantage &#8211; and not every saving makes sense.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:2%;--awb-padding-right:2%;--awb-padding-bottom:2%;--awb-padding-left:2%;--awb-overflow:hidden;--awb-bg-color:var(--awb-color3);--awb-bg-color-hover:var(--awb-color3);--awb-bg-size:cover;--awb-border-radius:20px 20px 20px 20px;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:49.76;line-height:var(--awb-typography1-line-height);\">Classification at the end<\/h2><\/div><div class=\"fusion-text fusion-text-5\"><p>Payment costs cannot be reduced to a single figure. They are the result of a system in which many roles interact. Transparency is not created through simplification, but through classification.  <\/p>\n<p>If you know how costs are made up, you can read bills more calmly and make decisions more consciously. Not to optimize everything. But to understand what you are paying &#8211; and why.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":30112,"menu_order":15,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-30145","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.5 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cost structures | SwiPay AG - CH<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/swipay.ch\/en\/understanding-payment\/cost-structures\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cost structures\" \/>\n<meta property=\"og:url\" content=\"https:\/\/swipay.ch\/en\/understanding-payment\/cost-structures\/\" \/>\n<meta property=\"og:site_name\" content=\"SwiPay AG - CH\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/swipay.payment\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-13T08:10:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/swipay.ch\/wp-content\/uploads\/2026\/03\/SwiPay_Logo_1200x675.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"41 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/swipay.ch\\\/en\\\/understanding-payment\\\/cost-structures\\\/\",\"url\":\"https:\\\/\\\/swipay.ch\\\/en\\\/understanding-payment\\\/cost-structures\\\/\",\"name\":\"Cost structures | SwiPay AG - CH\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/swipay.ch\\\/en\\\/#website\"},\"datePublished\":\"2026-01-10T20:18:43+00:00\",\"dateModified\":\"2026-01-13T08:10:33+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/swipay.ch\\\/en\\\/understanding-payment\\\/cost-structures\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/swipay.ch\\\/en\\\/understanding-payment\\\/cost-structures\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/swipay.ch\\\/en\\\/understanding-payment\\\/cost-structures\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"SwiPay\",\"item\":\"https:\\\/\\\/swipay.ch\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Understanding payment\",\"item\":\"https:\\\/\\\/swipay.ch\\\/en\\\/understanding-payment\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Cost structures\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/swipay.ch\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/swipay.ch\\\/en\\\/\",\"name\":\"SwiPay AG | Schweiz\",\"description\":\"Das Bezahlnetzwerk\",\"publisher\":{\"@id\":\"https:\\\/\\\/swipay.ch\\\/en\\\/#organization\"},\"alternateName\":\"SwiPay\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/swipay.ch\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/swipay.ch\\\/en\\\/#organization\",\"name\":\"SwiPay AG\",\"alternateName\":\"SwiPay\",\"url\":\"https:\\\/\\\/swipay.ch\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/swipay.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/swipay.ch\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/SwiPay_Waben_696x696.png\",\"contentUrl\":\"https:\\\/\\\/swipay.ch\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/SwiPay_Waben_696x696.png\",\"width\":696,\"height\":696,\"caption\":\"SwiPay AG\"},\"image\":{\"@id\":\"https:\\\/\\\/swipay.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/swipay.payment\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/swipay-ag\\\/\",\"https:\\\/\\\/www.instagram.com\\\/swipay.payment\",\"https:\\\/\\\/www.wikidata.org\\\/wiki\\\/Q138841910\"],\"description\":\"SwiPay ist das unabh\u00e4ngige BEZAHLNETZWERK f\u00fcr den D-A-CH-Handel. 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