Pay later with TWINT
Shop online and pay within 30 days – as convenient as a purchase on account, as simple as TWINT. The pay-later option gives you the flexibility during the checkout process (and at many cash registers) to decide when you prefer to make your payment.
Your benefits
With our pay-later options, we’ve brought purchase on account into the digital age – online and in shops.
Paying later is like shopping online and paying on account – you can take your time to check the goods at home before you pay for them.
You can pay immediately or within 30 days. During the checkout process, you decide when you want to pay for your online shopping.
If you activate automated payments in the TWINT app, the purchase amount will be automatically deducted from your account when it is due.
You can see all your open invoices at a glance. Whether you incur any costs depends on whether the merchant covers them or not.
Just like paying on account, but completely digital and modern.
How it works
Paying later works like purchasing on account. The option is just as simple as you have come to expect from TWINT.
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Step
Register
At the checkout, select TWINT as your payment method. If you are using the pay-later function for the first time, the TWINT app will guide you through 2 steps to register with our partner Swissbilling.
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Step
Set up payments
After making your purchase, you can set up automated payments. The amount will then be debited as soon as it is due. Make sure you have enough credit (on your TWINT Prepaid app) on the payment date.
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Step
Notifications
Activate push notifications if you do not want to make automated payments. You will then be notified when payment is due. To make sure that you can receive these messages, please activate push notifications for the TWINT app on your smartphone.
Our partner, Swissbilling
We offer the pay-later option with our partner Swissbilling, a CembraPay AG brand.
* For purchases between CHF 10 and CHF 1,000. The pay-later option 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 fees.
The pay-later portal
In the pay-later portal, you will find an overview of your outstanding and paid invoices. Here, you can manually initiate payments, activate or deactivate automated payments, and access other options.
How to access the portal
Open the TWINT app, tap on the profile icon at the top right or top left and then on “Pay later” under “Payment settings”. Under “Go to portal”, you can see all outstanding invoices and pay them manually. You can find all your paid invoices under “Archive”.
Alternatively, you can access the portal via the transaction details. If you have any questions about the pay-later portal, please contact [email protected] directly.
If you use a different TWINT app than the prepaid app, the approach may differ slightly. If you have any questions, please contact the customer service of your TWINT app directly.
Prerequisites
- You are an adult and resident in Switzerland
- You pass the checks carried out by our partner Swissbilling, such as the credit check
- Additional requirements may apply for TWINT apps other than the TWINT Prepaid app
Support & FAQ
We’re happy to help. Here are our answers to the most frequently asked questions about paying later.