TWINT

What TWINT does

TWINT is a mobile wallet for cashless payments. People can pay authorized merchants, send or request money from other users, and split payments.

Payments work at shop checkouts, online stores, transit services and parking facilities. Loyalty cards, digital vouchers, insurance, mobility payments and subscription comparisons are also available in the app.

Fees and plans

On iOS and Android, the TWINT app has no charge. The provider does not publish a separate consumer transfer charge, trial period or other app price.

For merchants, each payment-link transaction is priced at 1.35% plus CHF 0.30. The option has no activation fee or recurring monthly charge, and payment volume is unlimited.

QR code sticker transactions are charged at 1.3% of the payment amount with no minimum fee. Physical stickers cost nothing, while optional payment information adds CHF 0.30 per payment. TWINT says merchants using this solution face no daily or monthly limits, and there is no activation fee or fixed monthly charge.

Where it runs

The service is available on iPhone, Android and the web. Its mobile app handles cashless payments and may be linked to an account.

Online merchant acceptance is available through approved plug-ins, payment service providers or direct integration. Express Checkout works with Magento, Shopware and WooCommerce. Merchant options also cover terminals, POS systems, payment links and a Business Portal that manages stores, teams and employee roles.

Protection, as TWINT publishes it

TWINT says it audits and reviews its security features regularly and follows fintech security standards plus Swiss data directives and legislation.

According to the provider, personal data remains securely stored in Switzerland and is not shared without express consent. App access may be protected by a PIN, fingerprint sensor or facial recognition; transactions occur in TWINT’s secure environment instead of storing money on the phone.

Private customers can use the FAQ, TWINT Bot or in-app customer service. Business support operates Monday through Friday, 9 a.m. to 5 p.m. The published facts do not state a licence, regulator, deposit protection or formal dispute process.

Strengths

One app handles merchant purchases, person-to-person requests and splits, as well as transit and parking payments.

The provider publishes specific rates for payment links and QR stickers, and neither option has a fixed monthly fee.

Catches

Merchant charges apply to each transaction, and requesting payment information with a QR sticker can add CHF 0.30.

TWINT's published facts do not give consumer transfer fees, supported countries or currencies. They also do not state whether linking an account is required, so those details should be checked before use.

Merchant choices differ: payment links are for distance payments, while QR stickers are for physical stores.

Who should skip TWINT

It may not fit someone who needs published international coverage, currency details or consumer transfer pricing.

Businesses seeking a different collection method may find that TWINT’s listed options do not match their needs.

Verdict

TWINT suits people seeking a free Swiss mobile wallet for everyday merchant payments and transfers between users. Its merchant products cover both in-person QR payments and distance payment links, with stated per-payment rates and no fixed monthly charge on those plans.

It is less suitable when the key requirement is a published list of countries, currencies or consumer transfer fees. Merchants should also distinguish the payment-link percentage and flat charge from the QR sticker rate and its optional information fee.

Questions