TWINT
TWINT is the most widely used mobile payment app in Switzerland with over 5 million users. It enables payments online, in stores, via QR code and between individuals — directly from the bank account.
TWINT
TWINT is a Swiss mobile payment solution created in 2017 through 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 a must in the Swiss checkout: payment is made by scanning a QR code or via app switch (mobile). For on-site payments, TWINT can be accepted via NFC at the terminal, by QR sticker (without terminal) or via cash register integration. TWINT also offers features such as vouchers, donations and peer-to-peer payments.
Since 2024, TWINT has offered "Pay later" — a BNPL (Buy Now Pay Later) feature that allows TWINT users to 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 via 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. For German or Austrian customers, TWINT is not an option.
What is TWINT Pay later?
TWINT Später bezahlen is a BNPL (Buy Now Pay Later) feature: 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 in Switzerland. A lack of TWINT acceptance can lead to shopping cart abandonments. Alongside Visa/Mastercard, TWINT is the most important payment method in Swiss e-commerce.
