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Pay invoices with TWINT

With TWINT, you can pay one-off and recurring invoices just as easily, securely and quickly as you’d expect – it is TWINT, after all. No need to type in any amounts or numbers. No need to search for anything. It’s all there for you in a single app. Whether you’re at home or on the go, you can pay whenever and wherever suits you best.

Would you like to pay QR bills or direct debits with TWINT?

  • Option 1:
    QR bills

    With TWINT, you can use the app to pay QR bills* that support the Swiss QR code standard**. Simply scan the QR code or tap the invoice button in the e-mail, in the app or on the merchant’s website. Then select the payment date and approve the payment. You decide whether you’d rather pay straight away or within the next 90 days, provided this doesn’t exceed the merchant’s payment deadline. You can amend or cancel pending payments at any time before they’re processed.

    * Product name: TWINT invoice
    ** Invoice payments will be introduced in November 2026, and the list of billers will be added to on an ongoing basis.

  • Option 2:
    direct debits

    The traditional direct debit (LSV+) system will be discontinued at the end of September 2028. TWINT has developed a 100% digital solution for recurring invoices* that will be available from 2027. With this new solution, you’ll be able to pay things like subscriptions, health insurance premiums, membership fees, rent and electricity bills automatically,** without having to think about it. All you have to do is enable automatic approval in your TWINT app. We’ll let you know whenever a payment is due.

    * Product name: TWINT direct debit
    ** Users have the right to object to any charges within 30 days by contacting the issuer of their TWINT app.

Your 3 key benefits

  1. Security: all data is transmitted in encrypted form. Only merchants who have registered for our invoicing products and have been verified by us can issue invoices. What’s more, the TWINT app only scans legitimate QR codes, meaning you’re well protected against phishing attempts.
  2. Clarity: you can keep track of all your expenses, purchases and invoices that you pay with TWINT. Payments are sorted by status and execution date. In most apps, you can also search for keywords or amounts in the list of payments.
  3. Flexibility: in the case of one-off invoices, you can decide when you want to pay. You’ll also be able to amend or cancel the payment until it’s processed.

Here’s how to pay a QR bill with TWINT

With TWINT, you can pay Swiss-QR-code-compatible invoices (with the TWINT logo) just like any other payment.

  1. Step

    Scan or tap

    1. Scan the QR code with the TWINT app when a biller sends you a paper invoice or a PDF version.
    2. Alternatively, you can tap the payment button or the “Pay with TWINT” link in the e-mail, in the app or on the merchant’s website.
    3. It’s easy to upload digital invoices to the TWINT app as well. Just tap “Pay”, then “Upload” and finally “Select file”.
  2. Step

    Set the date

    You decide whether you’d rather pay straight away or within the next 90 days, provided this doesn’t exceed the merchant’s payment deadline. You can amend or cancel the payment at any time until it’s processed.

  3. Step

    Confirm the payment

    Once you have confirmed the payment, it will appear in the transaction overview in your TWINT app under the ‘Open’ tab as ‘Scheduled’ until it has been processed.

Here’s how to pay a direct debit with TWINT

With TWINT direct debit, you’ll never forget recurring invoices and avoid pesky reminders – all in one app.

  1. Step

    Accept an invitation

    Companies can invite you to enable automatic invoice payments in your TWINT app. All you need to do is scan the QR code or tap the link in the invitation. Alternatively, you can search for billers in the app or scan the QR code on any invoice that’s compatible with the Swiss QR code standard.

  2. Step

    Receive a notification

    We’ll let you know before the payment is processed. The invoice will be paid automatically on the execution date.

  3. Step

    ❌ Reject or object

    You can reject any recurring payment before it’s debited or object to it up to 30 days after the payment has been made and receive a refund.

Support & FAQ

We’re happy to help. Here are our answers to the most frequently asked questions about “pay invoices with TWINT”.

More questions and answers
Paper bills Open your TWINT app and tap the ‘Pay’ button at the bottom. Point your smartphone camera at the QR code, check the bill issuer, the… Read more
Each business decides whether to offer its customers the option of paying their bills using TWINT. In principle, all QR invoices featuring a Swiss QR… Read more
On the home screen of your TWINT app, tap ‘Show all’ next to ‘Transactions’ (the procedure may vary depending on your TWINT app). Switch the tabs at… Read more