Payment methods
TWINT: how Switzerland's payment app works for online merchants
TWINT is Switzerland's national payment app, used by more than 6 million people for 901 million transactions in 2025. Online, the shopper scans a QR code on desktop or is switched to the TWINT app on mobile and confirms the payment there. Payments are in Swiss francs. About 86% of Swiss online shops accept TWINT, and merchants abroad can offer it through a payment provider.
- TWINT
- Swiss mobile payment app owned by Swiss banks; shoppers confirm each payment in the app.
At a glance
| Country and currency | Switzerland, CHF |
|---|---|
| Users | More than 6 million active users (2025) |
| Transactions | 901 million in 2025 |
| Online acceptance | About 86% of Swiss online shops |
| Flows | QR code on desktop, app switch on mobile, payment links, Express Checkout |
| Refunds | Merchant-initiated through the provider |
What is TWINT?
TWINT is a Swiss mobile payment app founded in September 2016 and owned by Swiss banks. It works in shops, online, at ticket machines and between people.
In 2025 TWINT counted more than 6 million active users and 901 million transactions; 77% of transactions were commercial and about 35% of commercial transactions happened remotely, for example online.
How does a TWINT online payment work?
The checkout hands the payment to TWINT and the shopper confirms it in the app.
- Choose TWINT The shopper selects TWINT at checkout.
- Scan or switch On desktop a QR code appears; on mobile the browser opens the TWINT app.
- Confirm The shopper checks the amount and confirms in the app.
- Confirmation The provider receives the result in real time and notifies the shop.
What else should merchants know?
TWINT Express Checkout passes the delivery address from the app, and TWINT payment links let merchants request payment by email or messenger. Refunds are made by the merchant through the provider back to the shopper's TWINT account.
How do you accept TWINT 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. TWINT is available through OrsunPay: you connect a provider that supports it, it appears in the hosted checkout and payment links, and payment confirmations arrive by webhook. For OrsunPay pricing, see the pricing page at /pricing.
Frequently asked questions
Can merchants outside Switzerland accept TWINT?
Yes, through a payment provider that supports TWINT. Shoppers pay in Swiss francs.
How many people use TWINT?
More than 6 million active users in 2025, with 901 million transactions.
Does TWINT have chargebacks?
TWINT is not a card scheme; refunds are merchant-initiated through the provider. Dispute handling depends on the provider's TWINT terms.