This is a good question... If you pay, you lose the money and will have a bad feeling because you paid for something which is not right. But you can consider the matter to be done. If you don't pay, you'll keep your money, but you will have to invest time in arguing and in the worst case appear before court. I would do as @Ex-Bähnler suggested and contact SBB and send them a link to the document I've linked or to this forum thread. If they cancel the fine, it's done. Otherwise, you would have to think about it again. But generally, in Switzerland the one who wants something from someone must go to court to get it, not the one who doesn't want to pay. This means you would not have to sue the SBB. If they do not agree with you, and you do not want to pay, they will initiate a debt enforcement against you. You can then file an objection, and then they have to take you before court and prove that their claim is justified. This will be free for you if you win, but if you lose, it's not cheap. As you see, it's better if it can be handled without court.
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