Pay later with TWINT

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).>

* For purchases between CHF 1 CHF and CHF 1,000. The ‘Pay 30 days later’ service is offered by our partner company Swissbilling by CembraPay and may be subject to the acceptance of terms and conditions and a positive credit check. Fees may be charged by Swissbilling by CembraPay.

Your benefits

More relaxed shopping: The “Pay later” function allows you to check out your purchases in peace at home before paying for them.
Greater flexibility: You pay for your purchase at a time when it best suits you within 30 days.
Fewer reminders: If you activate automated payments in the TWINT app, the purchase amount will be automatically deducted from your account when it is due.

Transparency and overview: An overview of all outstanding payments – no hidden fees or costs.
Paperless and convenient: Similar to purchase on account, but completely digital and modern.
Simple as usual: Using TWINT to pay in online shops is as simple as it was before. You decide at the checkout when you want to pay for your purchase.

What is the “Pay later” function and how do I use this payment method?

This payment option is so simple for you to use – as you are used to with the TWINT app.

When making a purchase online, simply select TWINT as the payment method at the checkout.
If the online shop offers you the option of paying later with TWINT, you can choose whether you want to pay right away or within 30 days.
You can complete the purchase process as quickly and easily as if you were paying instantly with TWINT, but you gain greater flexibility while shopping.

Payment couldn’t be easier

pay later step 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.

pay later step 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).

pay later step 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.

pay later step 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.

pay later step 5

To make sure that you can receive these messages, please activate push notifications for the TWINT app on your smartphone.

What is the Pay later portal and how do I use it?

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:

Open the TWINT prepaid app, tap the three dots or lines in the top-right or top-left corner and then tap “Pay later” under “Payment settings”
Now, tap “To the portal”
You will now see your open payments and can initiate the payment manually
You can view payments you have already made via “Archive”

Alternatively, you can also access the Pay later portal via the transaction details on the home screen of your TWINT app.

Which requirements do I need to comply with in order to be able to pay for my purchase later with TWINT?

You are 18 or over
You are a resident of Switzerland
You will only see this payment option in the TWINT app if the respective shop also offers this option
Our partner Swissbilling (a brand of CembraPay AG) also carries out additional checks, such as a credit rating check

If you use a different TWINT app to the prepaid app, there may be additional conditions.

FAQ: Frequently asked questions about the "Pay later" function

How can I pay for a purchase later with TWINT?

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:

If you make a purchase from a merchant with whom you can pay for the purchase you made with TWINT at a later point in time, you can select whether you want to pay for your purchase straight away or in 30 days’ time in your TWINT app, provided that you meet the aforementioned requirements for this function.
If this is your first time using this option, you will need to register for this service with Swissbilling by completing just two steps on a one-time basis. To do so, simply follow the instructions on the screen.
Based on your registration details, Swissbilling checks to determine whether the purchase can be carried out successfully. Should the check return a positive result, you will immediately receive confirmation in your TWINT app. If something goes wrong with this check, you will still have the option to pay for your purchase immediately via TWINT. You will also be subsequently sent an e-mail by Swissbilling, notifying you of the reasons why the check returned a negative result.
By activating automated payments, the amount owed for your purchases will be automatically charged to your TWINT account on the due date. This requires that your TWINT account contains sufficient funds on this date.
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. To receive these notifications, make sure that you have activated push notifications for the TWINT app on your smartphone. To initiate the payment, please follow these instructions.

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.

Why is the “Pay later” option being shown to me and how do I deactivate this service?

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:

Open your TWINT app, tap on the profile icon at the top right or top left, then tap “Pay later” under “Payment settings”
In the menu that appears, deactivate the “Pay later” service now

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.

How do I activate or deactivate automated payments with the “Pay later” service?

Activate:

Open your TWINT app, tap on the profile icon at the top right or top left, then tap “Pay later” under “Payment settings”
Now tap “Activate automated payments”
You will subsequently be redirected to the Pay later portal run by our partner company Swissbilling
Tap the “Activate automated payments” button here
You will now be taken back to the TWINT app where you will need to reconfirm that you want to activate “Swissbilling” as a billing party that can initiate automated payments

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.

Which requirements do I need to comply with in order to be able to pay for my purchase later with TWINT?

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.

I use multiple TWINT apps, can I access my Pay later account from all of my TWINT accounts?

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.

Why was it not possible to pay for my purchase later, even though the option was made available during the payment process?

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.

What happens if I have activated automated payments and do not have sufficient TWINT credit on the date the payment is to be executed?

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.

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].

What is the Pay later portal and how do I use it?

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:

Open your TWINT app, tap on the profile icon at the top right or top left, then tap “Pay later” under “Payment settings”
Now, tap “To the portal”
You will now see all of your open payments and can initiate a manual payment here
You can view payments you have already made via “Archive”

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.

How do I settle an open balance in the Pay later portal?

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:

Open your TWINT app, tap on the profile icon at the top right or top left, then tap “Pay later” under “Payment settings”
Now, tap “To the portal”
You will now see all of your open payments
Tap the payment that you would like to make manually and select the “Pay with TWINT” option
You will then be redirected from the portal back to the TWINT app, where you need to confirm the payment by tapping “Confirm”

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.

How do I deactivate or close my Pay later account?

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.

Download TWINT app

It does not matter who you bank with: TWINT is available to everybody. Ideally, you should select the TWINT app of a bank with which you have an account. This will allow you to link the app to your bank account.