TWINT payments
Learn about TWINT, a popular payment method in Switzerland.
TWINT is a single-use payment method used in Switzerland. It allows customers to authenticate and approve payments using an approved TWINT mobile app.
You get immediate notification on whether the payment succeeded or failed.
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 and enable TWINT. To get started with one of our hosted UIs, follow a quickstart:
Other payment products
The following Stripe products also let you add TWINT from the Dashboard:
If you prefer to manually list payment methods, learn how to manually configure TWINT as a payment method.
Comply with TWINT merchant onboarding requirements
Warning
Make sure you comply with the following TWINT requirements before requesting access to Twint as a payment method in the Dashboard or through the capabilities API.
- 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.
Note
You can use Adaptive Pricing 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 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, 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
Buyers 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.
Connect
You can use Stripe Connect with TWINT to process payments on behalf of a connected account. Connect users can use TWINT with the following charge types:
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 in the Dashboard. To check which accounts have enabled TWINT, use the capabilities hash in our accounts webhooks or APIs to see if the twint_ 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. The name of your connected account is the name customers see during checkout and in the TWINT app.