What twisto.cz does

Twisto payments a.s. is a Prague-headquartered Czech fintech operating a buy now, pay later (BNPL) platform and digital payment account under the brand Twisto. The company serves individual consumers in the Czech Republic and Poland with three subscription tiers (Online free, Standard at 99 CZK/month, Premium at 199 CZK/month) and gives them access to a virtual Mastercard issued at signup, an optional physical card delivered by Czech Post, Apple Pay and Google Pay support, up to 45 days of deferred payment, pay-in-3 at checkout on partner e-shops, flexible 3–36 month installments on purchases over 1,000 CZK, deferred statement rollover, photo-based bill payment (Twisto Snap), peer bill-splitting (Twisto Split), merchant cashback, mid-market FX on Premium, and embedded travel insurance through UNIQA for Premium subscribers.

The technical core is a mobile-first fintech platform delivered through iOS, Android, and Huawei apps plus a web console, with merchant-side integration provided through a direct API (docs.twisto.cz), plugins for Shoptet/Upgates/BSSHOP, and plug-and-play enablement through four Czech payment gateways (Comgate, PayU, GoPay, Global Payments) and an external integration partner (Platiti.cz) covering WooCommerce, PrestaShop, and Magento. Twisto is registered with the Czech National Bank as a payment service provider and cooperates with the Solus debt registry. It is reported to serve more than 15,000 e-shops and 600+ Twisto Pay checkout partners.

Twisto's revenue model blends recurring subscription fees, installment interest and fees (e.g., 20,000 CZK over 12 months at RPSN 58.44%), merchant commissions on BNPL transactions settled daily or monthly, cashback/affiliate revenue share with partner e-shops, and late-payment fees (150 CZK for the first 5 days, then 100 CZK per subsequent 5-day period). No revenue, funding, headcount, or ownership data was disclosed in the input.

Name

twisto.cz

Legal name

Twisto payments a.s.

Website

https://twisto.cz

Company type

Private

Operating status

Operating

Short description

Twisto payments a.s. is a Czech BNPL fintech offering deferred payments, pay-in-3, 3–36 month installments, virtual and physical Mastercard cards, cashback, and travel insurance to consumers in the Czech Republic and Poland, distributed via mobile app and integrated with 15,000+ e-shops.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Card Issuing (522210), Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Issuer/Network-Led Installments (Card-Based Pay-Over-Time) (FSAGAIAB)

Keywords

• Buy now pay later
• Mobile payment app
• Consumer credit
• BNPL platform
• Payment processing

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Operations, Marketing or Sales, Personnel, Infrastructure, Supply Chain

Revenue model

1. Subscription fees (tariff revenue): Twisto charges monthly subscription fees for its Standard (99 Kč/month after trial) and Premium (199 Kč/month after trial) tariff plans. The free Online tariff generates no direct subscription revenue but supports the broader customer funnel.
2. Installment interest and fees: Revenue is generated from interest and fees on installment plans (Twisto Splátky) when customers split purchases into 3–36 monthly payments. For example, a 20,000 CZK loan over 12 months carries RPSN of 58.44% and total payment of 25,448 CZK. Also includes deferred payment fees (odložení splatnosti) when customers roll over part of their monthly statement.
3. Merchant commission (marže): E-shops pay Twisto a commission (marže) for processing BNPL transactions. Twisto pays the e-shop the full order amount immediately (next business day after order confirmation/shipment) and collects payment from the consumer over time. The commission varies by product type and is settled monthly or daily depending on integration type.
4. Cashback and discount revenue share: Twisto earns a share of sales revenue from cashback and discount partnerships with e-shops (e.g., up to 10% cashback to consumers, funded by merchant partnerships).
5. Late payment fees: Fees charged for late payments: 150 CZK for the first 5 days of delinquency, then 100 CZK per each subsequent 5-day period.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels8 records

Core offering

Twisto is a Czech fintech operating a Buy Now Pay Later (BNPL) platform and mobile payment account under the legal entity Twisto payments a.s. Consumers open a Twisto account, receive a virtual Mastercard immediately, and can pay for online and in-store purchases within 30 days, split purchases into 3 installments for free, or split larger purchases over 1,000 Kč into 3-36 monthly installments through Twisto Splátky. The platform also offers a Twisto Pay button enabling deferred payment at checkout on 600+ partner e-shops, plus virtual/physical Mastercard issuance, bill photo payment (Twisto Snap), expense categorization, group bill splitting, cashback, foreign exchange benefits, and travel insurance.

Product overview

Twisto is a Czech fintech company offering a buy now, pay later (BNPL) platform with three subscription tiers: Online (free), Standard (99 Kč/month), and Premium (199 Kč/month). The core product is the Twisto account providing up to 45 days payment deferral with monthly statements. Key payment products include Twisto Pay (30-day deferred payment for e-shops), Nákup na třetiny (pay in 3 installments without fees), and Twisto Splátky (flexible 3-36 month installments). Twisto provides both virtual and physical Mastercard credit cards accessible via the iOS/Android app. Additional services include Twisto Snap (bill photo payment), Twisto Split (group expense sharing), cashback rewards, premium foreign exchange rates, and travel insurance. E-shops can integrate via payment gateways (Comgate, PayU, GoPay, Global Payments), e-commerce platforms (Shoptet, Upgates, BSSHOP), or direct API. The platform is registered with Czech National Bank.

Differentiator

Problem solved

Functional benefit

Products and services

• Twisto účet (Twisto Account) A mobile-first payment account that lets consumers buy now and pay later; includes a virtual Mastercard issued instantly, a physical card available on the Standard and Premium tariffs, automatic expense categorization into 20 categories, monthly statements, and the ability to spread any purchase over 1,000 Kč across 3-36 monthly installments.
• Twisto Pay Embedded checkout button offered by 600+ Czech e-shops that lets customers pay for online purchases up to 30 days after delivery or split payments into three installments at no cost, with no Twisto account required for one-time purchases.
• Twisto Splátky (Installments) Long-duration installment product inside the Twisto app allowing users to spread any purchase above 1,000 Kč across 3 to 36 monthly installments with instant approval and free early repayment.
• Twisto fyzická karta (Twisto Physical Card) Physical Mastercard-branded debit/credit card mailed to Standard and Premium customers that supports contactless and 3D Secure authentication and can be tokenized into Apple Pay and Google Pay.
• Jednorázová karta (One-Time Card) Virtual single-use payment card that users pre-set with the exact amount and installment schedule (3-36 months) before making a specific planned purchase.
• Twisto Snap Bill and payment slip photo-payment service for CZK transactions that uses OCR to read bills, utility invoices, or invoices and processes payment on behalf of the active Twisto account holder.
• Twisto Split Group bill-splitting feature inside the app that divides shared expenses and sends payment requests to friends who may or may not have a Twisto account.
• Odložení splatnosti (Deferred Statement Payment) Cash-flow management feature that allows a Twisto account holder to pay only 10% of the monthly statement and roll the remainder to the next month for a user-confirmed fee.
• Cestovní pojištění (Travel Insurance) Premium-tier travel insurance benefit covering up to 6 household members for medical expenses up to 3 million CZK, provided through insurance partner UNIQA and active automatically with the Premium subscription.
• Twisto Merchant Integration (API and partner channels) Distribution layer for e-commerce merchants to add Twisto Pay and Pay-in-3 at checkout via direct API (avg. integration 7 working days), payment gateway plug-ins, e-commerce platform add-ons, or external integrator Platiti.cz, with Twisto assuming credit risk and paying merchants the next business day.

Quantifiable outcome

• E-shops see 10–25% more completed purchases with Twisto vs. standard payment methods
• +7 more outcomes

Named customers24 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature10 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• ShoptetcoreChannel Partner/ Reseller/ DistributorShoptet is a leading Czech e-commerce platform. Twisto offers a Shoptet plugin (Twisto Pay+) that allows Shoptet merchants to add Twisto's deferred payment and BNPL options to their checkout in a few clicks. Financial settlement is processed daily by Twisto. This is one of Twisto's most important distribution channels for reaching SMB e-commerce merchants in the Czech Republic.
• UpgatescoreChannel Partner/ Reseller/ DistributorUpgates is a Czech e-commerce platform. Twisto offers a plugin through Upgates' add-on marketplace, enabling merchants to accept Twisto deferred payment. Twisto does not charge integration fees; Upgates charges per their own pricing.
• BSSHOPminorChannel Partner/ Reseller/ DistributorBS Shop is a Czech e-commerce platform. Twisto offers a plugin enabling BS Shop merchants to accept Twisto deferred payment (BNPL in 3 installments is in preparation). Twisto does not charge integration fees.
• ComgatecoreChannel Partner/ Reseller/ DistributorComgate is a major Czech payment gateway. E-shops already using Comgate can activate Twisto's deferred payment and BNPL directly in the Comgate dashboard without a separate Twisto contract. Both Odložená platba (deferred payment) and Nákup na třetiny (BNPL in 3) are supported. No extra fees from Twisto; Comgate charges per their standard pricing.
• PayUcoreChannel Partner/ Reseller/ DistributorPayU is a major payment gateway in Central Europe. E-shops using PayU can activate Twisto directly in the PayU interface. Both deferred payment and BNPL in 3 installments are available. E-shops pay PayU's standard fees; no separate Twisto contract or fees required.
• GoPaycoreChannel Partner/ Reseller/ DistributorGoPay is a Czech payment gateway. E-shops using GoPay can activate both Twisto Odložená platba (deferred payment) and Twisto Nákup na třetiny (BNPL in 3) directly in the GoPay interface. No separate Twisto contract needed; all fees go through GoPay per their standard pricing.
• Global PaymentscoreChannel Partner/ Reseller/ DistributorGlobal Payments is an international payment processing company operating in the Czech Republic. E-shops using Global Payments can offer Twisto deferred payment and BNPL in 3 directly through their Global Payments dashboard. No separate Twisto contract required.
• Platiti.czcoreImplementation/ SI/ Consulting PartnerPlatiti.cz is Twisto's external integration partner for WooCommerce, PrestaShop, and Magento platforms. Through Platiti.cz, e-shops built on these global platforms can integrate Twisto's deferred payment and BNPL products. Platiti.cz assists with implementation.
• UNIQAcoreStrategic or Co-development PartnerUNIQA is Twisto's travel insurance partner for the Premium tariff. UNIQA provides travel insurance coverage (up to 3 million CZK in medical expenses) for Twisto Premium users and their household members (up to 6 people). The insurance is automatic with the Premium subscription and covers travel worldwide for up to 30 days per trip. Claims are handled through UNIQA's hotline (+420 296 333 696).
• MastercardcoreTechnology or IntegrationTwisto issues Mastercard-branded virtual and physical cards. Foreign exchange transactions are processed using Mastercard's mid-market exchange rates, which form the basis for Twisto's competitive currency conversion offering.
• ApplecoreTechnology or IntegrationTwisto cards (virtual and physical) are integrated with Apple Pay, allowing users to pay with their Twisto account using Face ID or Touch ID on iPhones, Apple Watches, and MacBooks.
• GooglecoreTechnology or IntegrationTwisto cards (virtual and physical) are integrated with Google Pay, allowing users to pay with their Twisto account on Android devices with NFC. Google Pay is supported for in-store payments in the Czech Republic and Slovakia and for all online purchases.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Klarna: Global BNPL leader offering pay-in-3, pay-in-4, pay-later, and installment products to consumers and merchants worldwide, including an active presence in Poland. Directly comparable to Twisto in product (BNPL/checkout) and target market (e-commerce merchants and consumers).
• PayPo: Leading Polish BNPL provider offering 'Kup teraz, zapłać później' (Buy now, pay later) products at Polish e-commerce checkout. Directly comparable to Twisto as a regional BNPL competitor in the Polish market where Twisto is now expanding.
• Afterpay (Block): Global BNPL platform owned by Block (formerly Square), offering pay-in-4 and longer-term installments to consumers and merchants. Directly comparable to Twisto's pay-in-3 and Twisto Splátky (3–36 month installments) products.
• Affirm: US-listed BNPL platform offering pay-later and installment loans at point of sale, with both short-term (pay-in-4) and long-term (3–36 month) products. Directly comparable to Twisto's installment structure and merchant-funded BNPL economics.
• Billie: Berlin-based B2B BNPL provider offering deferred payment and installment solutions for online merchants. Comparable to Twisto on merchant-funded BNPL mechanics and checkout integration model, though focused on B2B rather than B2C.
• Riverty (formerly Ratepay): German BNPL provider (part of Bertelsmann subsidiary) operating invoice, direct debit, and installment products across European e-commerce. Comparable to Twisto's deferred-payment and installment offerings and European merchant base.
• Zilch: UK BNPL provider offering pay-anywhere Mastercard-based installments and revolving credit. Comparable to Twisto on card-based pay-over-time mechanics and integration with Mastercard/Apple Pay/Google Pay.
• Sezzle: US/Canadian BNPL platform offering pay-in-4 and longer-term installments through both virtual card and direct merchant integrations. Comparable to Twisto's pay-in-3 product and one-time virtual card mechanics.
• Splitit: Card-based BNPL platform that lets consumers split purchases into installments using existing credit cards. Comparable to Twisto on card-issuer-led pay-over-time mechanics, though Splitit is purely card-network based rather than issuing its own.

Broad incumbents

• PayPal Pay in 3 / PayPal Credit: PayPal's broader payments platform includes BNPL-style products (Pay in 3, Pay in 4, PayPal Credit) as part of a much larger wallet/payments portfolio. Comparable to Twisto on BNPL checkout offering; competes for the same merchant checkout real estate in CZ/PL but as part of a much wider payments stack.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@Twistocz
• Facebookfacebook.com/twisto.cz
• Instagraminstagram.com/twisto_cz
• LinkedInlinkedin.com/company/twisto-cz

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about twisto.cz