Pay later in online shops and at the POS
Whether at the checkout or the in-store cash register, our pay-later option gives your customers the freedom to decide whether they want to pay immediately or in up to 30 days. Whatever suits them at the time.
The key points in brief
The new “pay later” * function gives your customers a relaxing, flexible shopping experience. They decide at the checkout or cash register whether they’d like to pay now or within 30 days. This feature is offered in collaboration with Swissbilling, a CembraPay AG brand.
* For purchases between CHF 1 and CHF 1,000. The “pay later” service is offered by our partner company Swissbilling by CembraPay and may be subject to the acceptance of GTCs and a positive credit check. Swissbilling by CembraPay may charge a fee.
Your benefits
The “pay later” function works like traditional purchases on account but is fully digital and paperless.
You don’t need to integrate or customise anything in your online shop. We’ll activate the pay-later option for you, so your customers have the flexibility to decide when they want to pay. The whole process is fully digital – you don’t have to send paper invoices or check incoming payments.
6 million people use TWINT on a regular basis – many appreciate the new flexibility of being able to decide when to pay. The pay-later option boosts conversion rates and improves customer loyalty. We’ll pay out your earnings as usual, either daily or weekly – regardless of when your customers pay.
With the pay-later option, there’s no financial risk for you. You’ll receive your money as usual, even if a customer pays later. The default risk is assumed by our partner company Swissbilling, a brand of CembraPay AG.
Purchasing on account is the
third most popular payment option
Customers in Switzerland love the flexibility to shop now and pay later. Purchasing on account is one of the most popular payment methods in Swiss online shopping and is a must for many online shoppers.
“Pay later” in your online shop
Integrate the “Pay later” function as a payment option in your online shop and enable your customers to decide whether they want to use TWINT to pay immediately or within 30 days. This way, you are offering a payment option that is similar to the traditional method of purchase on account but is handled entirely digitally via TWINT – no paperwork required.
“Pay later” at your in-store cash register
We have expanded the “pay later” option. You can now offer your customers the flexibility to decide at the cash register when to pay. If they have registered for the option, they can simply choose between “pay now” and “pay later” during the payment process. You will get your money in the usual payout cycle, regardless of when customers pay.
Your next steps
To offer the option to “pay later”, you need access to the TWINT Business Portal.
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Step
Log in
Log in to the TWINT Business Portal or register as a merchant if you do not yet have access.
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Step
Fill in
Fill in the online form on this page so that we can activate the pay-later option.
Useful information about the pay-later option
Extremely practical: the TWINT payment link allows you to collect instant payments for products or services sold as remote transactions – even without an online shop.
You can find tips on how to use the payment link in our guide.
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Benefits for your customers
- More flexibility when paying
- Digital purchase on account
- Seamless and modern shopping experience
- Lower risk of late payments thanks to automated payments
- Full transparency and control
- No hidden fees
- Simple processing of (partial) returns
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Limits for your customers
The maximum limit may vary and is capped at CHF 1,000 for individual transactions, with an annual limit of CHF 5,000. Purchases paid for using the pay-later option are subject to the usual limits of the respective TWINT app, which may vary from bank to bank. The minimum amount is normally CHF 10, but can also vary.
TWINT Business Portal:
the control centre for your business transactions
Make your company fit for the future: the TWINT Business Portal app ensures you always have control over your business transactions – no matter your location or the time. Whether you are using it on your computer, smartphone or tablet, the app notifies you in real time about incoming payments and provides you with key metrics. You can also easily manage your team and assign roles to employees.
Questions?
Answers!
Do you have a question about TWINT in e-commerce or mobile commerce? Maybe you’ll find the answer in our FAQ. If not, ask the TWINT Bot – it will be happy to help. Just tap or click on the bot icon at the bottom right.