# TWINT

## General Information

TWINT is a mobile payment platform from Switzerland that allows users to make payments, settle invoices, and send money via their smartphones.

### Links <a href="#links" id="links"></a>

* Information about TWINT on the [Payrexx](https://payrexx.com/en/twint) website
* [TWINT](https://www.twint.ch/) website

## Features <a href="#features" id="features"></a>

### Payment types

* ✅ One-time payment
* ✅ Refund
* ✅ Partial refund
* ✅ Recurring payments (Subscriptions)
* ✅ Tokenization
* ✅ Pre-authorization

### TWINT "Pay later"

TWINT "Pay later" is TWINT's Buy Now Pay Later (BNPL) payment solution. In the following article, you will learn how TWINT "Pay later" works and how to activate the feature:

{% content-ref url="twint/twint-pay-later" %}
[twint-pay-later](https://docs.payrexx.com/merchant/english/payment-provider/payrexx-pay/payment-methods/twint/twint-pay-later)
{% endcontent-ref %}

## Country Availability

TWINT is only available within [Payrexx Pay](https://docs.payrexx.com/merchant/english/payment-provider/payrexx-pay) and is therefore only accessible to merchants in :flag\_ch: Switzerland:

{% content-ref url="../../country-availability" %}
[country-availability](https://docs.payrexx.com/merchant/english/payment-provider/country-availability)
{% endcontent-ref %}

## Fees

The Visa transaction fees vary depending on the Payrexx [plan](https://docs.payrexx.com/merchant/english/account/settings/plan-and-billing) you choose. For more information, please refer to our [pricing overview](https://payrexx.com/en/prices).

## Setup

{% hint style="info" %}
Please note that you must be [logged](https://login.payrexx.com/en) in to Payrexx before you begin. If you do not have an account yet, please [register](https://signup.payrexx.com/en/email-validation/) with Payrexx.
{% endhint %}

To receive payments via TWINT, you simply need to activate the payment method in your Payrexx account. Follow these steps:

* Navigate to **Payment Providers** in the main menu of your merchant administration.
* Click on "Configure" next to Payrexx Pay:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2Fem1Qe2PUJVq33bzjjTJw%2Fimage.png?alt=media&#x26;token=84618a34-2e8c-4b80-a62a-7c49f9b9ae74" alt=""><figcaption><p>Start the configuration of Payrexx Pay</p></figcaption></figure></div>

* Scroll down a bit and check the checkbox next to "TWINT":

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FtFhiEg2LqPOfSXgXDeqq%2Fimage.png?alt=media&#x26;token=4e16e019-a9bd-4f70-9dfa-30b0d0c15ea6" alt=""><figcaption><p>Activation of the payment method "TWINT" in Payrexx Pay Plus</p></figcaption></figure></div>

* Complete the configuration by clicking "Save" in the bottom-right corner of the page.

{% hint style="success" %}
The payment method is now active. Customers can pay with TWINT.
{% endhint %}

## Payment with TWINT from the Customer's Perspective

When a customer wants to pay with TWINT, the process works as follows:

1. The customer selects TWINT from the available payment methods:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FVDvqBbr98kbHBX80UTYl%2Fimage.png?alt=media&#x26;token=51b08818-e34d-4f51-9d67-9013a7269348" alt="" width="402"><figcaption><p>Selection of TWINT</p></figcaption></figure></div>

2. Payrexx redirects the customer to the TWINT website. There, the customer has two options:
   1. Scan the displayed QR code with the camera and complete the payment.
   2. Enter the displayed payment code and complete the payment.

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FPEEkkpF2tOS4x0kriW9D%2Fimage.png?alt=media&#x26;token=c74d192b-19be-4b18-86c4-b96ca15573ec" alt=""><figcaption><p>Completing the payment by scanning the QR code or entering the payment code.</p></figcaption></figure></div>

{% hint style="success" %}
The payment with TWINT is successfully completed.
{% endhint %}

## Frequently Asked Questions about TWINT

### Partial refunds

Please note that a partial refund can only be processed if the amount to be refunded is rounded to at least 5 cents:

* ✅ Possible: CHF 27.00, CHF 27.90, CHF 27.35
* ❌ Not possible: CHF 27.01, CHF 27.32, CHF 27.63, CHF 27.94

### Missing customer information in TWINT transactions

For payments made via TWINT, it is possible that the [transaction details](https://docs.payrexx.com/merchant/english/account/payments/transaction-details) do not indicate who the payment is from:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FCXBS6MSP8kAFoK6JAvAX%2Fimage.png?alt=media&#x26;token=88f293cd-a5dc-4ef7-a1b3-cf955a390861" alt=""><figcaption><p>Transaction details of a TWINT payment without customer information</p></figcaption></figure></div>

This occurs because TWINT does not require customers to provide personal data during the payment process.

To ensure that you can correctly assign TWINT payments to the corresponding customer, it is important to collect the necessary customer information yourself. Depending on whether you have integrated Payrexx into your [e-commerce shop](https://docs.payrexx.com/merchant/english/integration/e-commerce) or are using one of our [e-commerce tools](https://docs.payrexx.com/merchant/english/account/tools), we recommend the following approach:

#### Integration into an e-commerce shop

Collect the required customer details during the checkout process on your website. This information will be transmitted to Payrexx via API and will be visible in the transaction details.

#### Pages tool

1. Navigate to the "Form Fields" tab in the ["Pages"](https://docs.payrexx.com/merchant/english/account/tools/pages) tool.
2. Select the required contact information by checking the corresponding boxes.
3. Mark any information that is essential as a mandatory field.

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FeVnnylNlQ9z0DdTwOeQF%2Fimage.png?alt=media&#x26;token=7756ab95-5ac5-4751-aa5a-563d1f408247" alt=""><figcaption><p>Configuration of required contact details in the "Pages" tool</p></figcaption></figure></div>

#### Paylink tool

1. In the ["Paylink"](https://docs.payrexx.com/merchant/english/account/tools/paylink) tool, select the required contact information on the right-hand side under the "Form Fields" section by checking the corresponding boxes.
2. Mark any information that is essential as a mandatory field.

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2F3M4yeSNGv2LNJhMnVPNa%2Fimage.png?alt=media&#x26;token=44fa5479-8a27-4c39-8d3f-b2fc8385f143" alt=""><figcaption><p>Configuration of required contact details in the "Paylink" tool</p></figcaption></figure></div>

#### QR Pay tool

In the ["QR Pay"](https://docs.payrexx.com/merchant/english/account/tools/qr-pay) tool, go to the advanced settings and select the required contact information by checking the corresponding boxes:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FImPdt5y6RJtUG3NM7K6x%2Fimage.png?alt=media&#x26;token=d6aea6be-e04c-4e89-9d9a-e4ee849bb101" alt="" width="518"><figcaption><p>Configuration of required contact details in the "QR Pay" tool</p></figcaption></figure></div>

#### Terminal tool

In the ["Terminal"](https://docs.payrexx.com/merchant/english/account/tools/terminal) tool, go to "Form Fields" and select the required contact information by checking the corresponding boxes:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FW6HUmWD8f8ueDwh1zhPN%2Fimage.png?alt=media&#x26;token=599893c9-6759-4732-8e01-31178d2d4632" alt=""><figcaption><p>Configuration of required contact details in the "Terminal" tool</p></figcaption></figure></div>

#### Donation tool

1. In the ["Donation"](https://docs.payrexx.com/merchant/english/account/tools/donation) tool, navigate to the "Contact Information" tab.
2. On the right-hand side, select the required contact details by checking the corresponding boxes.
3. Mark any information that is absolutely essential as a mandatory field.

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FftFCQfTq0AjcwQ8181CL%2Fimage.png?alt=media&#x26;token=cbcd371c-9325-4d81-8417-97bf4c0e1beb" alt=""><figcaption><p>Configuration of required contact details in the "Donation" tool</p></figcaption></figure></div>