Payment methods
Payment methods in Austria and Switzerland: eps, TWINT, cards and invoice
In Austria, online shoppers use eps bank transfers, cards, PayPal and invoice; eps confirms payments in real time with an execution guarantee from the bank. In Switzerland, TWINT dominates: it had more than 6 million users and 901 million transactions in 2025 and is accepted by about 86% of Swiss online shops. Cards, PayPal, invoice and the QR-bill complete the Swiss mix.
At a glance
| Currencies | EUR in Austria, CHF in Switzerland |
|---|---|
| eps | Online bank transfer of Austrian banks, operated by PSA; real-time confirmation |
| Wero in Austria | Expected for retail customers by early 2028 |
| TWINT users | More than 6 million; 901 million transactions in 2025 |
| TWINT acceptance | About 86% of Swiss online shops |
| Swiss invoices | QR-bill |
Which payment methods do shoppers use in Austria and Switzerland?
Austria pays in euro and shares many habits with Germany: PayPal, invoice and cards are common, and eps, the online transfer of Austrian banks run by PSA Payment Services Austria, covers shoppers who want to pay straight from their account. Wero is expected for Austrian retail customers by early 2028.
Switzerland pays in Swiss francs. TWINT is the national payment app; invoices are paid with the Swiss QR-bill, which carries the payment details in a QR code.
| Method | Type | Typical use | Confirmation |
|---|---|---|---|
| eps (Austria) | Online bank transfer with bank guarantee | Shoppers paying from their Austrian account | Real time |
| TWINT (Switzerland) | Mobile payment app | Most Swiss mobile and online purchases | Real time |
| Cards | Visa, Mastercard and wallets | Both countries | Real time, chargebacks possible |
| PayPal | Wallet | Both countries | Real time |
| Invoice and QR-bill | Pay later or bank payment | Both countries; QR-bill in Switzerland | After the shopper pays |
What should a merchant check before selling to Austria and Switzerland?
Before going live, check these points with your payment provider and test the full flow on mobile:
- Offer eps for Austrian shoppers and TWINT for Swiss shoppers.
- Price Swiss orders in CHF and Austrian orders in EUR.
- Check customs and VAT for shipments into Switzerland, which is outside the EU.
- Keep cards, PayPal and an invoice option in both countries.
How do you offer Austrian and Swiss payment methods through OrsunPay?
OrsunPay is a payment orchestration platform: you keep your own contracts with licensed providers (for example Stripe, Adyen or Worldpay), and OrsunPay is not a payment institution, acquirer or merchant of record and does not hold or transmit funds. Through OrsunPay you can offer eps, TWINT, cards, PayPal and invoice options by connecting providers that support them, show them in the hosted checkout and payment links, and route each payment by country, currency and method. For OrsunPay pricing, see the pricing page at /pricing.
Frequently asked questions
Is TWINT available to foreign merchants?
Yes, through a payment provider that supports TWINT. Payments are in Swiss francs from Swiss users.
Is eps being replaced by Wero?
Not yet. eps continues in Austria, and Wero is expected for Austrian retail customers by early 2028.
What share of Swiss online shops accept TWINT?
About 86%, according to TWINT's 2025 figures.
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Talk to our teamSources
- eps-Überweisung: information for merchants (checked 2 November 2026)
- Kurier: Raiffeisen and Erste join the European Payments Initiative (checked 2 November 2026)
- TWINT: 2025 figures, press release of 17 February 2026 (checked 2 November 2026)
- SIX: QR-bill, Swiss Payment Standards (checked 2 November 2026)