TWINT

About

TWINT is a popular payment method in Switzerland that allows users to connect their bank account or card with their phone.

Region	Switzerland
Currencies	CHF
Refunds	Yes, up to 365 days
Disputes	Yes, within 120 days
Preauthorization	No
Recurring payments	No

How it works

The TWINT pay-in flow provides the following checkout experience:

1. User chooses payment method

   On your app or website, the user selects TWINT as the payment method

2. Payment initiation

   You create the payment request by calling POST Create a TWINT PayIn, specifying the ReturnURL.

3. Redirection

   You redirect the user to the hosted TWINT page via the RedirectURL in the API response.

   The TWINT page displays a 5-digit verification code and a QR code.

   The user either scans the QR code or enters the verification code in their mobile app, before reviewing and confirming the payment.

   Note – Session timeout

   The TWINT session times out after:

   • 15 minutes for the hosted webpage
   • 3 minutes once the user scans the QR code
4. Return

   After payment, the user is returned to the ReturnURL that you specified in the payment request.

5. Outcome

   The transaction is complete when the pay-in status changes from CREATED to SUCCEEDED or FAILED, indicating the outcome.

Hooks

You should also set up hook notifications for the relevant event types:

• PAYIN_NORMAL_SUCCEEDED
• PAYIN_NORMAL_FAILED

Disputes

A user can request a chargeback with their issuing bank of a TWINT payment up to 120 days after the payment date.

When this happens, Mangopay automatically deducts the disputed amount from the Reputation Wallet (by way of a Repudiation) and creates a Dispute object, which is CONTESTABLE.

With TWINT, platforms usually have 30 days to submit evidence to contest the dispute.

Read more about disputes →

Related resources

Endpoint

The TWINT PayIn object

Testing

Learn about testing TWINT