TWINT
About
TWINT is a popular payment method in Switzerland that allows users to connect their bank account or card with their phone.
Region | Switzerland |
---|---|
Currencies | CHF |
Refunds | Yes, up to 365 days |
Disputes | Yes, within 120 days |
Preauthorization | No |
Recurring payments | No |
How it works
The TWINT pay-in flow provides the following checkout experience:
User chooses payment method
On your app or website, the user selects TWINT as the payment method
Payment initiation
You create the payment request by calling POST Create a TWINT PayIn, specifying the ReturnURL
.
Redirection
You redirect the user to the hosted TWINT page via the RedirectURL
in the API response.
The TWINT page displays a 5-digit verification code and a QR code.
The user either scans the QR code or enters the verification code in their mobile app, before reviewing and confirming the payment.
Note – Session timeout
The TWINT session times out after:
- 15 minutes for the hosted webpage
- 3 minutes once the user scans the QR code
Return
After payment, the user is returned to the ReturnURL
that you specified in the payment request.
Outcome
The transaction is complete when the pay-in status changes from CREATED
to SUCCEEDED
or FAILED
, indicating the outcome.
Hooks
You should also set up hook notifications for the relevant event types:
- PAYIN_NORMAL_SUCCEEDED
- PAYIN_NORMAL_FAILED
Disputes
A user can request a chargeback with their issuing bank of a TWINT payment up to 120 days after the payment date.
When this happens, Mangopay automatically deducts the disputed amount from the Reputation Wallet (by way of a Repudiation) and creates a Dispute object, which is CONTESTABLE
.
With TWINT, platforms usually have 30 days to submit evidence to contest the dispute.