Customers can use TWINT payment terminals in-store or online and can pay with TWINT by linking their bank accounts or credit cards.

Payment Method Properties


Available country codes	CH
Processing (Presentation) currencies	CHF
Settlement currencies	CHF
Consumer currencies	CHF
Channel member tag	twint
Scheme name in the settlement file	Twint
Minimum transaction amount	CHF 0.01
Maximum transaction amount	Varies per issuing bank (in most cases CHF 5,000/month)
Session timeout	15 min - on the Twint HPP 3 min if the user has scanned the QR code but did not confirm the payment in the Twint APP.
Refund	Full, partial and multiple partial refunds are all possible.
Refund Validity
Chargeback	Yes
Integration Type	Asynchronous
Sandbox	Scheme-Hosted

Transaction Flow

Merchant/PSP checkout :
- User selects TWINT as a payment method.
- PSP redirects to the TWINT hosted Checkout Page

If the consumer is paying from a desktop browser:

Twint hosted Checkout page is opened
Desktop: QR-Code and Token are displayed
User can scan the QR-Code from the Twint mobile app or enter the token in the Twint app.
Payment confirmation page with amount and merchant logo are displayed in the app
User confirms the amount
Payment successful page is displayed in the app
Order confirmation status is displayed on the Merchant Webshop(desktop browser).

If the consumer is paying from a mobile browser:

iOS

The consumer clicks on Pay with Twint button
User is redirected to Twint HPP with options to select one of the issuers Twint app from the app selector drop down and or copy the Twint code.
Selected Twint app is launched and payment confirmation page with amount and merchant logo are displayed
User confirms the amount
Success screen is displayed and user then clicks on close
Pop-up message is displayed to return to the merchant online shopping page.
Order confirmation Status is updated on the merchant online shopping page.

Android

The consumer clicks on Pay with Twint button
User is redirected to Twint HPP with the transaction amount.
User can click on “switch to app button” or copy the Twint code and enter in the Twint app
Payment confirmation page with amount and merchant logo are displayed in the Twint app
User clicks on the “Ok” to confirm the payment
User is redirected back to the merchant online shopping page.
Order confirmation Status is updated on Merchant online shopping page

Refund Flow

Twint Integration

Specific input parameters for the TRANSACTION call

There are no specific input parameters for the TRANSACTION call.

For standard input parameters, check Input parameters for the TRANSACTION call.

Specific output parameters for the TRANSACTION call

This payment method will emit the output parameters outlined below:

Field name	Type	Description
`SPECOUT.PROVIDERORDERSTATUS`	ascii	Payment status.
`SPECOUT.PROVIDERORDERSTATUSCODE`	ascii	Raw code for corresponding order status.
`SPECOUT.PROVIDERORDERSTATUSREASON`	ascii	Reason for/details about the payment status.
`SPECOUT.PROVIDERORDERSTATUSREASONCODE`	ascii	Raw code for corresponding order status reason.
`SPECOUT.PROVIDERERRORCODE`	ascii	The error code displayed in case of a failed call.
`SPECOUT.PROVIDERERRORCODESTATUS`	ascii	A human-readable error status.
`SPECOUT.PROVIDERCUSTOMERID`	ascii	A unique ID per consumer per merchant

For standard output parameters, check Output parameters for the TRANSACTION call.

TRANSACTION call input

&tag=twint
&txtype=TRANSACTION
&countrycode=CH
&currency=CHF
&amount=100
&channel = testchannel
&merchanttxid=CkNWCBH4Wx4s
&login= 1234
&password=12234
&contractid=1233
&accountholdername= test name
&returnmode=urlencodeext

TRANSACTION call output

REQUESTSTATUS=SUCCEEDED
&STATUS=SUCCEEDED
&TXID=2112223632
&ERRMSG=
&CHANNEL=testchannel
&TAG=twint
&REDIRECTSECRET=1O2jLKHsCxaHejbQuCOR6nIFpaXKi342
&SPECOUT_PROVIDERORDERSTATUS=SUCCESS
&SPECOUT_PROVIDERORDERSTATUSCODE=0
&SPECOUT_PROVIDERORDERSTATUSREASON=ORDER_OK
&SPECOUT_PROVIDERORDERSTATUSREASONCODE=0