Freedom251 › Money Transfer Apps
TWINT
by TWINT
What TWINT is
TWINT is a mobile payment app for cashless purchases and payments between users and authorized merchants. Users can pay at physical checkouts, online shops, public transport, and parking, or send, request, and split money with other users. The app also offers loyalty cards, digital vouchers, insurance, mobility payments, and subscription comparisons. It is available on Android, iOS, and the web; transfers are instant, with tracking, scheduling, and upfront fee display. Merchant tools include QR code stickers, terminals, POS systems, online payments, Express Checkout, pay later, payment links, and app shop payments. The Business Portal provides payment notifications and key figures and manages stores, teams, and employee roles. TWINT says personal data is stored securely in Switzerland and not shared without express consent. The TWINT app is free. QR sticker payments have a 1.3% charge, while payment links have a 1.35% charge plus CHF 0.30 per payment.
Who it suits
TWINT suits consumers wanting mobile payments, transfers, requests, or split payments across supported channels. Its merchant tools suit businesses needing in-store or online payment options and portal-based management.
What it does well
- Payments across shops, transit, and parking
- Instant transfers with tracking
- Scheduled transfers supported
- Free iOS and Android app
- Merchant portal and payment tools
What to know first
- Merchant transactions have listed fees
- Personal use requires linking the app to an account
- Some features are merchant-specific
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| TWINT app | Free app for iOS and Android; the page gives no price. · Mobile app for cashless payments; link it to an account | Free |
| TWINT QR code sticker | 1.3% of the payment amount, with no minimum fee; free physical stickers; optional payment information costs CHF 0.30 per payment. · Merchant payments in physical stores; no activation fee or fixed monthly costs; no daily or monthly merchant limits | Free |
| TWINT payment link | 1.35% of the payment amount plus CHF 0.30 per payment; no activation fee or fixed monthly costs. · Merchant distance payments; no online shop or programming knowledge required; unlimited payments | Free |
As twint.ch lists them, read 9 Oct 2026. The maker's own page has the final word.
Verdict
TWINT combines consumer payments and transfers with a broad set of merchant tools. The free app supports multiple payment situations, while merchants should consider the transaction charges for QR stickers and payment links.
Facts from TWINT's own pages
- Account access
- The app can be protected with a PIN, fingerprint sensor, or facial recognition, and transactions take place in TWINT’s secure environment rather than storing money on the phone. · twint.ch, 9 Oct 2026
- App features
- The app also offers loyalty cards, digital vouchers, insurance, mobility payments, and subscription comparisons. · twint.ch, 9 Oct 2026
- Consumer payments
- Users can pay at physical checkouts, in online shops, on public transport, and for parking, as well as send, request, or split money with other users. · twint.ch, 9 Oct 2026
- Data protection
- TWINT says personal data is stored securely in Switzerland and is not shared without express consent. · twint.ch, 9 Oct 2026
- Upfront fee display
- Yes · twint.ch, 22 Sept 2026
- Founded
- 2016 · twint.ch, 28 Sept 2026
- Free plan
- Yes · twint.ch, 22 Sept 2026
- Headquarters
- Zurich, Switzerland · twint.ch, 28 Sept 2026
- Merchant limit
- TWINT says there are no daily or monthly limits for merchants using its QR code sticker solution. · twint.ch, 9 Oct 2026
- Merchant portal
- The Business Portal provides payment notifications and key figures and lets merchants manage stores, teams, and employee roles. · twint.ch, 9 Oct 2026
- Merchant solutions
- Merchant options include QR code stickers, payment terminals, POS systems, online shop payments, Express Checkout, pay later, payment links, and app shop payments. · twint.ch, 9 Oct 2026
- Mobile platforms
- both · twint.ch, 22 Sept 2026
- Online integrations
- TWINT supports online shop integration through approved plug-ins, payment service providers, or direct integration; Express Checkout is available for Magento, Shopware, and WooCommerce. · twint.ch, 9 Oct 2026
- Recipient methods
- wallet · twint.ch, 22 Sept 2026
- Scheduled transfers
- Yes · twint.ch, 22 Sept 2026
- Security
- TWINT says it regularly audits and reviews its security features and follows fintech security standards and national data directives and legislation. · twint.ch, 9 Oct 2026
- Support
- Private customers can use the FAQ, TWINT Bot, or customer service in the app; business customer service is available Monday to Friday, 9 a.m. to 5 p.m. · twint.ch, 9 Oct 2026
- Transfer speed
- instant · twint.ch, 22 Sept 2026
- Transfer tracking
- Yes · twint.ch, 22 Sept 2026
- What it does
- TWINT is a mobile payment app for cashless payments, including payments between users and payments to authorized merchants. · twint.ch, 9 Oct 2026
- Who it serves
- TWINT describes its QR code sticker as a solution for small and medium-sized merchants and its payment options as serving businesses across industries. · twint.ch, 9 Oct 2026
Where TWINT stands on Freedom251
- Money Transfer Apps#37 of 81