Payment option · Switzerland

Accept TWINT payments

Accept TWINT payments from every Swiss banking app. Seconds to settle, no processor account, live in minutes.

Runs on the same checkout as 56 crypto assets, the other bank rails, and cards. No processor account needed for the manual rail.

TWINT at a glance

Countries
Switzerland
Currencies
CHF
Mode
Manual
Buyer reference
Unique per order

What the buyer sees

The coordinates your checkout shows, with the exact field labels from the U.CASH Pay dashboard.

TWINT number or IBANthe ID buyers pay
Bank nameyour bank or provider
Account holderthe receiving name

Plus a unique payment reference per order (B-XXXXXX) the buyer includes on the transfer; you match it in Payments with one click.

How to accept TWINT payments

From signup to settled order.

Step 01

Create your checkout

Sign up at U.CASH Pay and create a checkout that offers TWINT alongside cards and crypto.

Step 02

Publish your TWINT coordinates

Enter the TWINT number or IBAN alias buyers should pay, with the bank name and account holder.

Step 03

Buyer pays in their banking app

The buyer opens any Swiss banking app, sends to your TWINT number or IBAN, and includes the unique payment reference.

Step 04

Confirm and settle

The francs land in seconds. Match the reference in Payments and mark the order paid.

Fees and settlement

U.CASH charges nothing on the TWINT rail. Swiss banks include TWINT payments in standard accounts. Settlement between Swiss accounts is seconds. Orders hold for 30 days.

Speed and settlement behavior

TWINT runs as a manual rail: the buyer initiates the transfer against your published coordinates and includes the per-order payment reference, which is what makes the reconciliation one click rather than a hunt. Settlement lands in the rail's own window, which the fees and settlement section states; there is no processor in the middle to wait on. That directness is also the operational trade: the rail sees a plain transfer, so the reference discipline is what keeps reconciliation mechanical.

The crypto alternative on the same checkout

The currencies TWINT settles, CHF, also exist on-chain where peg families trade: settle the same corridor as a token, non-custodial, final on confirmation, at network fees instead of rail fees. Buyers choose their rail; your ledger sees the same currency either way. The operational difference worth planning around is reversal: the crypto leg settles finally with no dispute window, which suits invoices and known customers, while the traditional rails keep the protections and processes their buyers expect.

Currencies and countries

CHFSwitzerland

Related payment options

SWIFT

International. Manual rail.

PIX

Brazil. Automatic and manual flows.

M-Pesa

East Africa. Automatic and manual flows.

TWINT: FAQ

What is a TWINT number?
The numeric alias that stands for your account in the TWINT system, issued by your Swiss bank. An IBAN alias registered for TWINT works the same way.
How fast are TWINT payments?
Seconds, between Swiss accounts, around the clock. TWINT is the domestic instant rail of the Swiss banking system.
Do buyers need to install anything?
No. TWINT is built into the apps of the Swiss banks; buyers pay from the banking app they already use.
Can I offer TWINT beside crypto at checkout?
Yes, that is the standard configuration: the rail serves buyers who pay from banking apps, the crypto legs serve wallet holders, and cards cover everyone else. One checkout, one Payments queue, each payment closing with its reference.
What does the buyer need to pay through TWINT?
Your twint number or iban and the payment reference for the order. The checkout shows the exact coordinates; the buyer pastes them into their banking app and sends.
Who settles disputes and support on TWINT payments?
The rail itself behaves like a bank transfer: settlement follows the rail's rules, and there is no chargeback machinery to arbitrate afterward. Your checkout records, with the per-order reference and rail confirmation, are the paper trail for any customer conversation.
Get started

TWINT, live in minutes

Offer it beside cards, crypto, and every other rail on one non-custodial checkout.