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TWINT

Country: Switzerland (CH)  |  Payment Rail: closed_loop_wallet

DigitalWallet Market Adoption: 35%

TWINT is Switzerland's leading national mobile digital wallet and payment app, featuring QR code scanning and direct bank account debit widely used for e-commerce checkout, in-store POS, and P2P transfers.

🔄 User Payment Flow

  1. User selects TWINT at merchant online checkout or POS
  2. Merchant generates dynamic TWINT QR code or numerical code (or triggers app deep link on mobile)
  3. User opens TWINT app (bank-issued or prepaid) and scans QR code
  4. User confirms transaction with FaceID, TouchID, or PIN
  5. Payment is debited directly from linked Swiss bank account in real-time

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant initiates payment order via TWINT Merchant API or certified PSP (Stripe, Adyen, Worldline, Datatrans)
  • Checkout displays dynamic TWINT token or QR code
  • Customer authorizes payment in TWINT app
  • Merchant receives real-time webhook confirmation and order is approved

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Adyen