The key points in brief
You now use TWINT to pay for your purchases in selected online shops at a later date in the future. TWINT is offering you this payment option in partnership with Swissbilling (a brand of CembraPay AG).
Make a purchase now and pay in 30 days: as convenient as purchase on account, as simple as TWINT.
The key points in brief
You now use TWINT to pay for your purchases in selected online shops at a later date in the future. TWINT is offering you this payment option in partnership with Swissbilling (a brand of CembraPay AG).
This payment option is so simple for you to use – as you are used to with the TWINT app.
1.
If you make a purchase in an online shop that offers the option to pay later, simply select the function in your TWINT app during the payment process.
2.
If you are using the function for the first time, the TWINT app will automatically guide you through 2 short registration steps with Swissbilling (a brand of CembraPay AG).
3.
After your purchase, you will then have the option to activate automated payments. Once this option has been activated, the purchase amount will be deducted from your TWINT account as soon as it falls due. Please make sure that your TWINT account contains sufficient funds on this date.
4.
If you have not activated automated payments, you will receive a notification a few days before the due date stating that the payment will be due shortly.
5.
To make sure that you can receive these messages, please activate push notifications for the TWINT app on your smartphone.
In the Pay later portal run by our partner company Swissbilling, you can maintain an overview of your open and closed payments for which you used the “Pay later” function. You can also initiate payments manually, activate and deactivate automated payments and access a number of additional options here.
To access the Pay later portal, please proceed as follows:
Alternatively, you can also access the Pay later portal via the transaction details on the home screen of your TWINT app.
If you use a different TWINT app to the prepaid app, there may be additional conditions.
With TWINT, you can now pay for your purchases from selected merchants at a later date. The ability to select whether you want to pay for your purchase straight away or in 30 days means that you have greater flexibility.
To use this function, you must be over the age of majority (18 years old and above) and be a resident of Switzerland. If you use a TWINT app other than the TWINT Prepaid app, additional conditions may apply.
How it works:
Whether costs will be incurred for the buyer for using this service in the TWINT app depends on whether the merchant bears these costs or not. If the merchant does not in fact bear the costs, fees will be charged to the buyer depending on how large the purchase amount is. The exact amount will be displayed in the app once the “Pay later” option has been selected for a payment. A detailed list of the fees can be found in the “Fees” section of the Swissbilling GTC.
If you would no longer like to have the option to have pay later displayed to you, you can deactivate this service by following the instructions set out here.
If you are entitled to use the Pay later function based on your age (at least 18 years old) and your place of residence (Switzerland), this option will be automatically displayed to you when making purchases from merchants that offer this service.
If you no longer want to see this option, please proceed as follows:
If you use a TWINT app other than the TWINT Prepaid app, the procedure may differ slightly. If you have any questions, please contact the customer service of your TWINT app directly.
If you have already used the service, but no longer want to be able to take advantage of it in the future, you can have your account with our partner company Swissbilling closed. To do this, simply send an e-mail to [email protected]. Please note that any amounts owed for past purchases must be paid on schedule, even though you have deactivated this service.
Activate:
If you use a TWINT app other than the TWINT Prepaid app, the procedure may differ slightly. If you have any questions, please contact the customer service of your TWINT app directly.
A few days before the date on which a payment is due, you will receive a notification alerting you to the fact that money will soon be debited from your account. To receive these notifications, make sure that you have activated push notifications for the TWINT app on your smartphone.
Deactivate:
Please follow the instructions set out here.
The option to pay later will only be offered to you in the TWINT app if you are 18 and over and are a resident of Switzerland. If you are using a different TWINT app, you may have to fulfil additional conditions.
Our partner company Swissbilling will carry out additional checks, for example a credit rating check.
The option will also only be displayed to you when making a payment in the TWINT app if you make a purchase from a merchant with whom you can pay for your purchases with TWINT at a later point in time.
No, separate login details for the Pay later portal will be created for each TWINT account.
Should you no longer have access to your TWINT account, for example because you have closed it, you will also no longer be able to use the corresponding login details for the Pay later portal. If you still have payments outstanding, the remaining communication with Swissbilling will take place via e-mail or telephone.
To clarify this, please contact Swissbilling directly at the following e-mail address: [email protected].
In such instances, you can also pay immediately with TWINT.
If you make use of the “Pay later” option, the payment in the TWINT app will fall due 30 days after the date of purchase.
A few days before the date on which a payment is due, you will receive a notification alerting you to the fact that money will soon be debited from your account. To receive these notifications, make sure that you have activated push notifications for the TWINT app on your smartphone.
The amount owed for your purchases will be automatically charged to your TWINT account on the due date. If your account does not contain sufficient funds on the date on which the payment is due, you will receive a notification immediately after the failed attempt to collect the money, stating that the amount owed was not successfully paid.
In such an instance, you will be asked to settle the balance manually via the Pay later portal run by our partner company Swissbilling. To initiate the payment manually from the portal, simply follow these instructions.
Should you have any further questions on this topic or would like to extend your payment deadline, please contact Swissbilling directly at the following e-mail address: [email protected].
In the Pay later portal run by our partner company Swissbilling, you can maintain an overview of your open and closed payments for which you used the “Pay later” option, initiate payments manually, activate and deactivate automated payments and use a number of additional functions that are available to you here.
To access the Pay later portal, please proceed as follows:
Alternatively, you can also view these via the transaction details in the Pay later portal.
If you use a TWINT app other than the TWINT Prepaid app, the procedure may differ slightly. If you have any questions, please contact the customer service of your TWINT app directly.
If you have not activated automated payments for the billing party “Swissbilling”, you can also initiate the payment manually at any time from the Pay later portal run by our partner company Swissbilling.
To do so, please take the following steps:
Alternatively, you can also view these via the transaction details in the Pay later portal.
Should you have any further questions about the Pay later portal, please contact Swissbilling directly at the following e-mail address: [email protected].
If you use a TWINT app other than the TWINT Prepaid app, the procedure may differ slightly. If you have any questions, please contact the customer service of your TWINT app directly.
To have your Pay later account closed, please contact our partner company Swissbilling. To do this, simply send an e-mail to [email protected].
Please note that any amounts owed for past purchases must be paid on schedule, even though you have closed your Pay later account.