TWINT "Pay later"
With the new TWINT "Pay later" function, you can offer your customers a modern payment option with additional flexibility to pay within 30 days. As a merchant, you will receive your money immediately.
Low risk: TWINT partner Swissbilling assumes the default risk.
Stronger customer loyalty: Improve the shopping experience with flexible payment options.
Convenient: repayments and invoices are processed via TWINT.
Usual payouts: Payouts are made according to your Payrexx payment plan.
Fill out the form and get started with TWINT "Pay later"!
No risk for merchants
You receive the purchase amount immediately. The TWINT partner Swissbilling assumes the default risk. The transaction fee for TWINT "Pay later" is 2.30%.
The most important facts in brief
Preferred partner
With Payrexx, you can offer TWINT and all other common payment methods together. Receive your payout as usual from a single source, even if your customers use TWINT "Pay later".
"Pay later"
The new "Pay later" function allows your customers to store in a relaxed manner with additional flexibility. This is because they decide for themselves at checkout whether they want to pay now or within 30 days. Click here for the TWINT overview page.
Completely digital purchase on account
Integrate the "Pay later" function as a payment option in your online store and enable your customers to pay with TWINT either immediately or within 30 days. You thus offer a kind of classic purchase on account, but one that is processed completely digitally and without paperwork via TWINT.
Your advantages as a retailer:in
Maximize customer loyalty with flexible, digitally integrated payment solutions.
Without additional technical integration, you can offer your customers a state-of-the-art, fully digital customer experience.
Repayments and invoices are processed seamlessly and without paperwork via TWINT.
State-of-the-art, digitally integrated customer experience.
Increased conversion rates for potential sales increases.
Usual immediate payouts: Earnings are paid out by Payrexx according to your defined payment plan.
Technical integration not required.
No seller's risk: You receive the purchase price immediately.
No paperwork and no sending of physical invoices.
Stronger customer loyalty through flexible payment options.
Seamless and familiar customer experience
Checkout in the online store
Register with Swissbilling
Complete purchase
Purchase successful
Advantages for your customers
The digital payment process with TWINT "Pay later" offers advanced user convenience.
Automatic transfer processes minimize late payments, which reduces the risk of late payment notices.
Like purchase on account, but paperless and convenient with TWINT
Transparency and control, no hidden fees
Seamless and modern user experience
Reduced risk of reminders thanks to automated payments
A more flexible shopping experience thanks to the additional payment option
Simple billing of partial and full returns
What should I consider if I want to offer deferred payment for my store?
Payments
Even if you offer the option of paying later, you will receive your money.
Depending on the set payout frequency, usually with your weekly or monthly payout from Payrexx.
Amount limits for customers
The upper limit for amounts may vary and is a maximum of CHF 1000 for individual transactions and a maximum of CHF 5000 per year.
When paying for purchases using the "Pay later" option, the standard limits of the respective TWINT app apply.
Depending on the version - TWINT Prepaid or various issuing banks - these may differ.
The minimum limit is usually CHF 10, but this can also vary.
Good to know
The "buy now, pay later" concept is very popular in Switzerland. Purchase on account is one of the preferred payment methods in e-commerce and is essential for many consumers. More than 70% of online retailers in Switzerland offer purchase on account.
FAQ for merchants: Questions and answers about the "Pay later" service
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The fees for using this solution are borne by the merchant. The "Pay later" option is free of charge for TWINT users.
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You do not need to make any changes to your online store to offer this function. Your customers decide directly when paying in the TWINT app whether the transaction is paid immediately or later.
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The option to pay later shall be offered to all TWINT users in the app, provided that they are of legal age and resident in Switzerland. Further conditions may be determined by the respective TWINT app issuers. The TWINT partner company Swissbilling shall also carry out further checks, in particular a credit check.
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As soon as the customer makes a purchase from the merchant via TWINT "Pay later", Swissbilling pays the merchant the money immediately and assumes the default risk. This means that if the customer does not pay, Swissbilling bears the risk. The customer is then reminded and, if necessary, warned. The function is therefore very secure and risk-free for the merchant.
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For the retailer, the function is very secure and risk-free. The retailer assumes no risk.
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TWINT "Pay later" is just as secure as a classic TWINT payment.
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Creating a TWINT QR code is quick and easy thanks to the Payrexx QR tool. Once you have logged into your Payrexx backend, you can create a QR code with just a few clicks, print it out and place it in your store or webshop. All your customers then have to do is scan it and they will be forwarded directly to the payment page.