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Before registering

How to hire? The models compared.

Two legal ways: you employ directly and are the employer, or an agency sends someone and is the employer itself. Cash without registration is undeclared work. Below: all three with your numbers, and which one fits you.

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Your situation

Which fits you?

The three ways with your numbers

Two legal, one not.

Legal

Employ directly

You are the employer

CHF 912 /month

Wage incl. holidays CHF 845 + contributions CHF 67

Who finds the person?
You
Holidays, sickness
You arrange cover. If she is sick, you keep paying her wage for a limited time (Art. 324a CO).
Paperwork
Contract, AHV registration, UVG policy, payslips, year-end statement
Ending it
With a notice period under the contract and the CO
Which registration procedure applies? →
Legal

Through an agency

The agency is the employer

CHF 985 /month

26 h a month × CHF 37.90

Who finds the person?
The agency proposes someone
Holidays, sickness
The agency usually arranges cover: check the contract
Paperwork
None for you
Ending it
Under the service contract

If a platform only places people, you are still the employer: then it is direct employment.

Agencies and platforms compared →
Illegal

Cash, undeclared

Undeclared work

CHF 845 /month, today

All you save are the contributions: CHF 67 a month.

Owed per year
≈ CHF 1'294: AHV/IV/EO, ALV and FAK, employer and employee share. The compensation office claims as a rule up to 5 years back, up to 7 after an offence (Art. 16 AHVG), plus 5 % late interest.
After an accident
The Ersatzkasse UVG (substitute fund) pays and bills you substitute premiums for up to 5 years, doubled if inexcusable (Art. 95 UVG).
Penalty
Monetary penalty of up to 180 daily units (AHVG Art. 87)
For her
Missing AHV contribution years, no proof of income
Paid in cash so far? Register retroactively →

Only for direct employment

Who does the paperwork: you, or you with Clino?

It stays the same direct employment: same wage, same contributions, you are the employer.

YourselfNo extra cost

You fill in the compensation office's forms, calculate every wage yourself and prepare the year-end statement.

With ClinoCHF 19.90 a month

Clino prepares the contract, payslips and year-end statement and shows you the registration for your canton step by step. You register, sign and take out the accident insurance yourself.

Try 30 days free →

How it is calculated: direct with the same wage calculation as the salary calculator (canton ZH, 4 weeks of holiday, employer AHV/IV/EO, ALV, FAK and occupational accident premium). Agency: hours per month × hourly price. An estimate, not an offer.

Frequently asked questions

Is an agency always more expensive than direct employment?

Not necessarily. Compare the hourly price in your quote with the cost of direct employment above. The agency's price includes finding someone, cover for absences and admin, often VAT too.

Is a placement platform the same as an agency?

No. What matters is who signs the employment contract with the person. If the platform employs her itself, it is the employer. If it only places her, you are the employer and must register her for AHV and insure her against accidents yourself.

Why isn't cash simply cheaper?

All you save are the contributions. The obligation stays: the compensation office claims them, as a rule, up to five years back, employer and employee share, plus late interest. After an accident the Ersatzkasse UVG pays and bills you substitute premiums (Art. 95 UVG). On top, a monetary penalty of up to 180 daily units is possible (Art. 87 AHVG).

Is Clino a separate hiring model?

No. With Clino you employ directly, exactly as by hand: you are the employer, wage and contributions are identical. Clino prepares the contract, payslips and year-end statement and shows you the registration step by step; you register and sign yourself. For that you pay CHF 19.90 a month.

Can I switch later?

Yes. From cash to registered at any time, ideally with a retroactive registration for the past months. Between doing it yourself and Clino, also at any time: it stays the same employment. If you want to move from an agency to employing the same person directly, read your agency contract first.

Ready? First payslip in 5 minutes.

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