Accepting Twisto as a merchant

You can contract Twisto directly and connect it through its merchant API. Twisto's documentation states that the merchant is registered and set up with Twisto's sales team before implementation. Or you take it through a payment gateway that carries it: Comgate and PayU are among the gateways that carry it.

Through Comgate, Twisto appears in the gateway's list of methods as a deferred payment, and Comgate's documentation states that it activates the method automatically. Through a direct contract you choose the capture mode and the settlement parameters yourself, and those two choices shape your cash flow more than the integration does.

Twisto's home market is the Czech Republic, in Czech koruna. Comgate's documentation lists the Czech Republic and Poland, with a limit of up to 25,000 koruna per purchase in the Czech Republic and the Twisto terms deciding the limit in Poland.

In Poland, twisto.pl offers pay within 30 days and pay in three parts. It names Twisto Polska sp. z o.o. as the lender in its instalment example, and Twisto payments a.s. as the provider of payment services and the card issuer. Polish gateways such as PayU and dpay price Twisto for Polish merchants.

Twisto's merchant API offers two capture modes, chosen when the merchant account is registered. With immediate capture Twisto captures the charge as soon as the checkout is approved, and the order is activated right after the risk check. With charge-based capture you activate each order yourself with a charge call, and Twisto's documentation notes that most merchants do this when they ship.

The choice decides what a cancellation costs you in work. A refund is only possible once the charge has been captured. Under immediate capture every order cancelled before dispatch has already been paid out and has to go back as a refund. Under charge-based capture an approved order that never ships is cancelled before any money moves, and the payout follows your dispatch rather than your order intake. For a shop with stock-outs or long delivery times, that difference shows up in customer service and in reconciliation.

Comgate's Profi tariff moves the price in two directions. It cuts Twisto Pay from 1% to 0.4% and raises thirds from 1% to 1.9%. Take Twisto volume equivalent to 1 million euro a year. On Easy it costs 10,000 euro whatever the split. On Profi, with 20% of the volume in thirds, it costs 7,000 euro, 3,000 euro less. With half the volume in thirds it costs 11,500 euro, 1,500 euro more. These are published list prices and the example is illustrative; your quoted rate decides what you actually pay.

The tariff also changes your card rates and covers every method on the gateway, so the decision is taken on the whole volume, not on Twisto alone. What Twisto adds is a variable you control in part: the order value from which thirds is shown, and the share of baskets that use it. Read the split from your own orders before you choose a tariff, and read it again when you promote thirds.

What you pay for Twisto is set in your agreement, with Twisto or with your gateway, not by a scheme. Start by establishing whether you are overpaying your PSP, and if Twisto carries a material share of your Czech volume, price Twisto Pay and thirds separately against your own split before you renew.

Relevant markets: Czech Republic, Poland