Twint

Twint is Switzerland's dominant mobile payment method, with tens of millions of registered users and near-universal acceptance across Swiss merchants. Customers pay by scanning a QR code with the Twint app or, on mobile, by being redirected directly into the app to confirm. Payments are final on confirmation — there is no chargeback path.

AvailabilityAskCopy

Payment flowAskCopy

Twint adapts to the customer's device:

Desktop: QR code

Mobile: app redirect

On mobile, the hosted checkout replaces the QR code with a "Pay with Twint" button. Tapping it opens the Twint app directly (or the Twint-connected banking app). The customer confirms in the app and is returned to your returnUrl.

Creating a Twint paymentAskCopy

import { Vinr } from '@vinr/sdk';

const vinr = new Vinr({ secretKey: process.env.VINR_SECRET_KEY });

const payment = await vinr.payments.create({
  amount: 5500,              // CHF 55.00 in minor units (Rappen)
  currency: 'CHF',
  description: 'Order #9923',
  methods: ['twint'],
  returnUrl: 'https://yoursite.com/payment/complete',
  metadata: { orderId: '9923' },
});

// Redirect the customer to payment.checkoutUrl

Fulfill from the webhook:

// POST /webhooks/vinr
const event = vinr.webhooks.verify(rawBody, req.headers['x-vinr-signature']);

if (event.type === 'payment.completed') {
  const payment = event.data;
  // payment.method → "twint"
  await fulfillOrder(payment.metadata.orderId);
}

QR code expiryAskCopy

Twint QR codes are valid for a limited window (typically a few minutes). If the customer takes too long to scan, the payment moves to expired. Create a new payment to display a fresh QR code.

Settlement & timingAskCopy

Twint payments are confirmed within seconds. The captured amount lands in your balance immediately in CHF and follows your normal settlement schedule.

RefundsAskCopy

Refunds are returned to the customer's Twint account (linked bank account), typically within one to three business days.

const refund = await vinr.refunds.create({
  payment: 'pay_...',
  amount: 5500,   // full refund; omit amount for full
  reason: 'requested_by_customer',
});

Because Twint payments are final, there are no chargebacks. A refund is the only way to return funds after the payment completes.

TestingAskCopy

In the VINR sandbox, Twint flows open a VINR test page where you choose Approve or Fail — no real Twint account or Swiss phone is needed.

LimitationsAskCopy

• CHF only. Twint cannot process amounts in any other currency.
• Switzerland only. The method only appears for customers with a Twint-linked Swiss bank account; presenting it outside Switzerland returns method_not_available.
• No manual capture. Twint captures in full at confirmation.
• QR codes expire. Customers must scan within the validity window.

See alsoAskCopy