Twint payments

Available from Version: 20231206

TWINT is a mobile wallet supported by the main banks in Switzerland. Users can link their bank account or debit/credit cards with the TWINT app and then make money transfers, charitable donations, and pay via QR code at participating online and offline merchants.

Twint general properties

Available country codes
  • CH
Currencies
  • CHF
Minimum transaction amount 0.01 CHF
Maximum transaction amount

Varies per issuing bank (in most cases CHF 5,000/month)
Session timeout
  • 15 min - on the Twint HPP
  • 3 min if the user has scanned the QR code but did not confirm the payment in the Twint APP.
Refund
  • Full
  • Partial
  • Multiple Partial
Chargeback Yes
Integration category Asynchronous

The following features are not supported:

Feature Description
Surcharging It is not possible to add a surcharge to the transaction.
Credit It is not possible to create credit transactions.
Subscriptions It is not possible to set up subscriptions.
Reservations

The amount is automatically captured by default. It is not possible to create a payment request with type=payment.

If the type is set to payment, it is automatically changed to paymentAndCapture.
Acquirer based reconciliation files

The resulting payment data from calling the payments API method does not contain information in the AcquirerReconciliationIdentifier field.

For information about the payments method, see payments.

How it works

The processing of payments for goods using Twint Payments consists of one step, during which the capture of the payment takes place.

Capturing a Payment

The following diagram illustrates the steps involved in capture payment that are relevant to you as a merchant.



  1. The consumer selects Twint as their preferred payment method.
  2. The consumer is redirected to the Twint hosted Checkout Page.
  3. The consumer follows the instructions and approve the payment.
  4. The merchant receives the payment confirmation of the payment.
  5. The merchant can ship the order/deliver the goods to the consumer.

To find out how to integrate with Twint using our merchant API, see Integrating using the Merchant API and more specifically, the createPaymentRequest method.

See the mandatory and configurable parameters by selecting Twint in the drop down list on the Create Payment Request page

Processing a Refund

Refunds take place after the capture of funds. There are several refund scenarios.

  • Full refund, which returns the funds for the entire transaction
  • Partial refund, which returns the funds for some of the order lines

The flow is as follows:

See the mandatory and configurable parameters by selecting Twint in the drop down list on the Create Refund Request page