For everyone who wants collecting payments to be easy

Once the customer has completed the transaction, have them show you the confirmation screen on their smartphone. Please look out for the following security elements:

The confirmation screens can change from one app to the next. The items listed above are, however, identical in every app.

Otherwise, you can check all of the transactions you have made in the merchant portal at any time.

You can also set up SMS and/or e-mail notifications for incoming payments. The corresponding setting can be made in the merchant portal. Here are the instructions for setting up these notifications.

Ordered QR codes are usually delivered within seven working days. You can also download a digital version of the QR code stickers at any time and print out as many as you wish.

Digital QR code stickers

You can download a digital copy of the QR code yourself from the TWINT merchant portal and print it out as often as you wish.

To download the QR code for an existing store, please proceed as follows:

• Open the “Stores” menu item and then click the pencil symbol next to the relevant store.
• You can download existing QR codes in the “QR code sticker(s)” section.

Please note that the digital QR code sticker is not suitable for e-commerce. Further information is available here.

Physical QR code stickers

When setting up a store, you can also order three QR code stickers printed on a water-repellent material, which will subsequently be sent to you by post. If you did not order any physical QR code stickers when setting up a store and would like to get some, please proceed as follows:

• Open the “Stores” menu item and then click the pencil symbol next to the relevant store.
• Afterwards, click the pencil system once again in the “QR code sticker(s)” area.
• Tick the corresponding box next to “Delivery of sticker” to also have the QR code sent by post as a physical sticker.

If you would like us to send you more than three physical QR code stickers for an existing store, please contact our Support team.

Go to Support

If you would like to download an overview of your successfully executed transactions for a single calendar day (“daily closing balance”) or for another period of time in the TWINT merchant portal, please proceed as follows:

1. Click “Transactions”
2. Click “Pre-defined filters” and select the desired period of time, for example “Today”, “Yesterday”, “This week”, “Last week”, etc.
3. Alternatively, you can also specify the “From” and “To” dates yourself
4. Select “Settled” as the status
5. Click “Search”
6. Should you require, you can now download the search results as an Excel file (“Export selection”)

TWINT statement (payment to a bank account)

You can also download statements as a CSV or RAF/XML file via the TWINT merchant portal. To find out how to do this, click here. Please note that the statements refer to the payment of your credit in line with the payment interval you selected (daily or weekly, from 11 p.m. to 11 p.m. in each instance).

The QR code stickers are intended to be used for payments in your physical retail store and may not be used online (e.g. website). The reason for this is that your customers cannot scan the QR code sticker on the same device on which it is displayed.

For the online implementation of TWINT, the via payment service provider or plug-in provider options are available to you.

For all the information about this, please see our specially created page:

Find out more

As a general rule, incoming payments made via the “basic QR code sticker” are anonymous. Thus, merchants do not receive any information about the person making the payment (e.g. mobile phone number or name). It is also not possible to leave a comment or similar when making the payment.

With our “QR code sticker with payment information” solution, merchants have the option to include certain text fields (such as the name and address of the customer or the payment purpose) in the payment process. In so doing, merchants can decide which fields are optional and which fields must be filled in by the buyer in order to complete the payment.

For security reasons, a Swiss mobile phone number must be provided when registering as a merchant (for two-factor authentication).

This mobile phone number is, however, only needed for registration and subsequently logging into the portal. Otherwise, it has no further relevance and cannot be viewed by third parties.

You have the option of selecting whether your daily revenue payments are executed daily or weekly. Please also note that the payment interval applies for all of your stores and cannot be set differently for individual stores.
To change the payment interval, open the TWINT merchant portal, click “Settings” and set the payment frequency under “Payment interval”. The change will be implemented at the end of the current interval.
Your daily revenue will usually be credited to your bank account two value days (value days = bank working days) after the invoicing period you selected (payment interval).

For example (if there are no public holidays in between),

• Your money (= payments less refunds for each day from 11:00 p.m. to 11:00 p.m.) from Monday will normally be paid into your account with a value date of Wednesday
• Your money from Friday, Saturday and Sunday will normally be paid into your account with a value date of Tuesday (in three separate transfers)

Example for weekly payment (if there are no public holidays in between):

• Your credit (= payments less refunds from 11 p.m. to 11 p.m. from one Sunday to the next) will normally be paid out with a value date of Tuesday.

Please note that if you have registered with TWINT as a new merchant, your personal details will be checked and this can take up to 30 days. During this time, you can already accept TWINT payments; however, your credit will only be paid out once this check has been carried out. We will inform you If your registration was incomplete or contained incorrect information. The review period may be delayed if reworking is required. Please understand that making additional contact with our Customer Service team will not speed up payments.

You can also change this to daily.

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Private individuals cannot currently use this business customer solution and consequently cannot request a QR code sticker. The minimum requirement for registering as a business customer if you do not have an entry in the Commercial Register is that you have formed a sole proprietorship, a simple partnership or a club.

Sole proprietorship:
A sole proprietorship can be founded with very little effort and investment, which makes it easier to start up a business quickly. In practice, all that is needed is an entry in the Commercial Register, which only becomes mandatory once a business generates annual sales of CHF 100,000 or over. Detailed information is available on the website linked above.

Simple partnership:
The simple partnership is the simplest form of a private company. It involves the contractual binding of two or more people in order to achieve a common purpose. A simple partnership is often only founded for a set period of time and thus does not require a special form. Detailed information is available on the website linked above.

A private bank account can be saved to a TWINT business account provided that the legal form of the business is a sole proprietorship or a simple partnership.
For all other types of company, a separate bank account would have to be opened for the organisation/company.
The saved bank account can be changed in the TWINT merchant portal at any time.

Fixed amount

The QR code has a specific value that you predefine when you order it. The customer thus scans the QR code and only has to confirm the amount. Please note that QR codes with a fixed amount cannot be offered in combination with “QR code stickers with payment information”. Only QR codes with a freely selectable amount can be offered with this solution.

Freely selectable amount

The QR code does not have a specific purchase amount. The customer scans the QR code, enters the amount to be paid themselves and confirms the payment.

In this case, you can discard the stickers and delete your store in the TWINT merchant portal. You can also keep the stickers in reserve (so that you can use these should there ever be problems with your terminal). Since there are no monthly/annual costs with the TWINT QR code stickers, keeping the stickers does not cost you anything.

A TWINT transaction via a variable QR code sticker may not amount to more than CHF 5000. However, the maximum amount of an individual transaction also depends on the limits set by the banks for their respective TWINT app. For fixed QR code stickers, the maximum selectable amount is CHF 200.

An unlimited number of transactions may be carried out per QR code sticker.

Should you have any questions, please contact us directly via the contact details set out below:

[email protected]