# TWINT payments Learn about TWINT, a popular payment method in Switzerland. TWINT is a payment method used in Switzerland that allows customers to [authenticate and approve](https://docs.stripe.com/payments/payment-methods.md#customer-actions) payments using an approved TWINT mobile app. You get [immediate notification](https://docs.stripe.com/payments/payment-methods.md#payment-notification) on whether the payment succeeded or failed. #### Payment method properties - **Customer locations** Switzerland - **Presentment currency** CHF - **Payment confirmation** Customer-initiated - **Payment method family** Bank redirects - **Recurring payments** Yes - **Payout timing** [Standard payout timing](https://docs.stripe.com/payouts.md#payout-speed) applies - **Connect support** [Yes](https://docs.stripe.com/payments/twint.md#connect) - **Dispute support** [Yes](https://docs.stripe.com/payments/twint.md#disputed-payments) - **Manual capture support** No - **Refunds / Partial refunds** [Yes / Yes](https://docs.stripe.com/payments/twint.md#refunds) - **Maximum Amount** 5000.00 CHF #### Business locations Stripe accounts in the following countries can accept TWINT payments: - AT - BE - BG - CH - CY - CZ - DE - DK - EE - ES - FI - FR - GB - GI - GR - HR - HU - IE - IS - IT - LI - LT - LU - LV - MC - MT - NL - NO - PL - PT - RO - SE - SI - SK - SM #### Product support - Elements1 - Checkout - Payment Links - Connect - Subscriptions - Invoicing 1Express Checkout Element doesn’t support TWINT. ## Payment flows Customers pay with TWINT by using one of the following methods: - **Mobile**: Customers follow a mobile redirect from your website or mobile app to a TWINT app, where they authorize the payment, then return to your website or mobile app. - **Desktop**: Customers scan a QR code you present on your website using a TWINT app, which allows them to authorize the payment. ## Get started You don’t have to integrate TWINT and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Go to the [Stripe Dashboard](https://dashboard.stripe.com/settings/payment_methods) and enable TWINT. To get started with one of our hosted UIs, follow a quickstart: - [Checkout](https://docs.stripe.com/checkout/quickstart.md): Our prebuilt, hosted checkout page. - [Elements](https://docs.stripe.com/payments/quickstart.md): Our drop-in UI components. ### Other payment products The following Stripe products also let you add TWINT from the Dashboard: - [Invoicing](https://docs.stripe.com/invoicing/no-code-guide.md) - [Payment Links](https://docs.stripe.com/payment-links.md) - [Subscriptions](https://docs.stripe.com/billing/subscriptions/overview.md) If you prefer to manually list payment methods, learn how to [manually configure TWINT as a payment method](https://docs.stripe.com/payments/twint/accept-a-payment.md). ## Comply with TWINT merchant onboarding requirements > Make sure you comply with the following TWINT requirements *before* requesting access to Twint as a payment method in the [Dashboard](https://dashboard.stripe.com/settings/payment_methods) or through the [capabilities API](https://docs.stripe.com/api/capabilities.md). - Businesses must have a functional website that is reachable and isn’t password protected or in a “coming soon” state. - The business website must contain the following information visible in the legal notice, terms of service or terms and conditions: - Company name and legal form (for sole proprietorships, the full first and last name of the business owner). - Full business address, including street, house number, postal code, and city. - Contact details, including at least one of an email address or a telephone number. - Switzerland must be available as a shipping destination for businesses selling physical goods, and you must display prices in CHF (Swiss Francs), at the latest during the checkout process. > You can use [Adaptive Pricing](https://docs.stripe.com/payments/currencies/localize-prices/adaptive-pricing.md) to automate currency displays without having to explicitly price your products in CHF. The TWINT payments capability stays in a `pending` state until the compliance with the TWINT onboarding requirements is verified. Contact [Stripe support](https://support.stripe.com/contact) you’re unsure about your TWINT payments capability status. ## Termination rights In addition to the termination and suspension rights included in the [Stripe Services Agreement](https://stripe.com/legal/ssa), TWINT has the right to suspend or terminate your use of TWINT, such as for breach of the requirements listed above that aren’t promptly remedied. ## Refunds You can refund TWINT charges up to 180 days after the payment completes. Refunds usually take a few minutes to complete. TWINT supports full and partial refunds. You can also issue multiple partial refunds up to the amount of the original charge. ## Disputes Customers can dispute TWINT transactions by filing a complaint with their bank. TWINT disputes are rare, with 25-50 disputes recorded for every 1,000,000 transactions. ## Billing [Stripe Billing](https://stripe.com/billing) supports TWINT payments for both [invoices](https://docs.stripe.com/invoicing/payment-methods.md) and [subscriptions](https://docs.stripe.com/billing/subscriptions/twint.md). ## Connect You can use [Stripe Connect](https://docs.stripe.com/connect/how-connect-works.md) with TWINT to process payments on behalf of a connected account. Connect users can use TWINT with the following charge types: - [Direct](https://docs.stripe.com/connect/direct-charges.md) - [Destination](https://docs.stripe.com/connect/destination-charges.md) - [Separate charges and transfers](https://docs.stripe.com/connect/separate-charges-and-transfers.md) ### Enable TWINT for connected accounts that use the Stripe Dashboard Connected accounts that use the Stripe Dashboard can enable TWINT in their [Payment methods settings](https://dashboard.stripe.com/settings/payment_methods) in the Dashboard. To check which accounts have enabled TWINT, use the `capabilities` hash in our [accounts webhooks or APIs](https://docs.stripe.com/api/accounts/object.md#account_object-capabilities-twint_payments) to see if the `twint_payments` capability is set to `active`. ### Enable TWINT for connected accounts that use the Express Dashboard or a dashboard that isn’t hosted by Stripe Follow the instructions to [enable payment methods for your connected accounts](https://docs.stripe.com/connect/account-capabilities.md). The name of your connected account is the name customers see during checkout and in the TWINT app.