What does it really cost to sign a PDF?

Guides & checklists4 min read
Thomas Moretti
Thomas Moretti
Unternehmensleitung, axelity ag · Sargans
Last checked: September 22, 2026

The gist in brief

In practice, a paper contract costs significantly more than postage and paper. According to our calculation, the effort for a medium volume of about 300 contracts per month is around CHF 58 per contract, because labor time, administrative work, shipping and filing add up. If you only consider the moment of signing, you massively underestimate the real costs.

We have repeatedly seen in practice that the real surprise isn’t in signing, but in the entire path before and after. Exactly there lie the costs that many companies with 100 to 500 employees simply underestimate. For contract management, Legal and Compliance this is critical, because every unnecessary step ties up time and delays throughput.

Why a paper contract is more expensive than expected

Many people only look at the moment when the document is signed. On the table is the paper, with a ballpoint pen it only takes a few seconds, and the process seems almost free. In our calculation, this is precisely the thinking error: the signing moment is small; the pre- and post-work isn’t.

CHF 58Kosten pro Papiervertrag bei rund 300 Verträgen pro Monat
CHF 45+Anteil für Arbeitszeit und Administration
40 bis 60 MinutenReine Arbeitszeit pro Vertrag in vielen Unternehmen
7 bis 14 TageZeit bis zum vollständig gegengezeichneten Rückläufer

axelity ag

Steps that push the bill up

StepWhy it costs timeTypical effect
Prepare documentChoose template, insert variables, internal reviewMultiple people involved
Print and envelopeCopies, enclosures, address, postageMedia disruption before sending
Return processingFollow-up calls, sorting, forwardingAdditional waiting time and coordination
Scan and storeIndexing, archiving, preservingFiling becomes a long-term issue
Typical cost drivers in the paper process

From our experience at actaSIGN, the effort only becomes visible when we lay out the entire process side by side. Then it becomes clear that it’s not a single step that is expensive, but the sum of small activities across departments. This is why solutions for signing PDFs or adding a signature to a PDF are not just a convenience topic but an efficiency topic.

What mistakes do companies make in PDF processes

  • You only calculate the signing moment, not preparation, shipping and archiving.
  • You don’t account for the document’s whereabouts and have to follow up.
  • You underestimate copies, filing and later retrieval.
  • You plan the paper path, although the approval process could be digital.

The most common thinking error

Contrary to the assumption that the contract is finished with the signature, the expensive part often starts afterwards. Once tracking, return shipping and archiving are added, the effort rises significantly. Exactly there are the costs that disappear in a simple unit cost calculation.

Do it yourself or digitize with actaSIGN?

SituationDo it yourselfWith actaSIGN
Individual internal approvalsPossible, but often confusingFaster and standardized
Recurring contractsHigh manual effortClear processes and fewer media disruptions
Legal and ComplianceMore review effortBetter traceable processes
Companies with 100 to 500 employeesScaling becomes tediousProcesses can be standardized
When switching becomes sensible

In actaSIGN environments we often see the same pattern: first a small optimization, then a clean digital process. Therefore we recommend starting with the existing paper process and gradually digitizing it. This preserves professional control while eliminating unnecessary effort.

What should you do next?

The most pragmatic step is to write down the current process in full: preparation, printing, shipping, return, review and filing. Only then will it become visible where time is wasted and which parts can be directly transferred to a digital workflow. If you want to start exactly there, signing PDFs digitally is usually the fastest lever.

Frequently asked questions

Why does a paper contract look so cheap at first glance?
Because the visible part is very small. Paper, printing and postage stand out immediately, but the many minutes for preparation, shipping, control and archiving are often not counted. That’s why the real bill is usually much higher than expected.
Who benefits most quickly from the switch?
Especially teams in contract management, Legal and Compliance with recurring processes. As soon as several people depend on the process or contracts regularly go through different stages, the effort quickly adds up. In companies with 100 to 500 employees it becomes especially noticeable.
Is a digital process always cheaper automatically?
Not automatically, but in standardized contract workflows usually clearly more efficient. The advantage arises when media disruptions, follow-up calls and manual filing disappear. If a process is highly individual, it first requires a clean review of the approval steps.
How do I know the paper path is already too expensive?
A good warning sign is when you can no longer reliably say where a document currently is. If returns stay, approvals need follow-up calls, or copies are filed multiple times, the process is no longer lean. Then digitalization pays off very quickly.

In short, our calculation shows: The costs of a paper contract do not arise at the ballpoint pen, but in the entire process before and after. If you introduce digital signing cleanly, you reduce not only effort but also create more transparency in contract management. For many companies this is exactly the point where the switch pays off.

Möchtest du deinen Vertragsprozess digitalisieren?

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