TWINT
TWINT is a Swiss mobile payment solution created in 2017 from the merger of Paymit and TWINT. The app is backed by the largest Swiss banks and enables payments via QR code, NFC, and in-app — online and at the POS. With over 5 million active users, TWINT is the most widely used payment app in Switzerland.
For online Comerciantes, TWINT is almost mandatory in the Swiss checkout: payment is made via QR code scan or app switch (mobile). For on-site payments, TWINT can be accepted via NFC at the terminal, via QR sticker (without terminal), or via cash register integration. TWINT also offers features such as vouchers, donations, and peer-to-peer payments.
Since 2024, there has been TWINT pay later — a BNPL feature (Buy Now Pay Later), with which TWINT users can pay for purchases only after 30 days. TWINT is a purely Swiss payment method and is only available in Switzerland — it is not an option for the German or Austrian market.
TWINT examples
A customer selects TWINT at the online checkout and scans the QR code with the TWINT app. The payment is confirmed in 3 seconds.
A food truck sticks a TWINT QR sticker on the counter. Customers scan the code and pay — without a terminal, without hardware.
An association uses TWINT for membership fees: the payment is triggered via TWINT using a payment link — easier than a bank transfer.
TWINT FAQ
What is TWINT?
TWINT is the leading Swiss mobile payment app with over 5 million users. It enables payments online, at the POS, via QR code and between private individuals — directly from the bank account.
How much does TWINT cost for Comerciante?
The transaction fees for TWINT are 1.25–1.30% plus EUR 0.18–0.30 per transaction, depending on the PSP and plan. At the POS, TWINT costs 1.25% with no fixed fee.
Does TWINT also work abroad?
No, TWINT is a purely Swiss payment method and only available in Switzerland. TWINT is not an option for German or Austrian customers.
What is TWINT Pay later?
TWINT Später bezahlen is a BNPL (Buy Now pay Later) function: Users can make purchases and pay the amount only after 30 days. For Comerciantes, fees of 2.30% + EUR 0.18–0.30 apply.
Do I need TWINT in my Swiss online shop?
Yes, TWINT is crucial for purchasing decisions in Switzerland. A lack of TWINT acceptance can lead to shopping cart abandonment. Alongside Visa/Mastercard, TWINT is the most important payment method in Swiss e-commerce.
