Buy now. Pay later.

Would you also like to pay online only after you have received the goods? We do, and that's why we have created Twisto - the fastest and the most secure deferred payment. See you soon in Poland!

Learn more

Buy now. Pay later with twisto.

Cash on delivery

Online payments

Finish order with 1 click

Our vision

Shopping online should be simple, smooth and risk free. At Twisto we believe in delivering the best online shopping experience for customers while helping e-shops drive sales.

Twisto in numbers:

  • Over 200 000 happy customers.
  • 97 % satisfaction rating.
  • 350 merchants and counting.
  • 45 team members + 4 dogs.

For customers

For merchants

Customers pay with just 1 click, that’s all…

We pay on your behalf to the e-shop and you pay us back in 14 days. Only after you receive and try the goods.

Learn more

We have amazing investors on board

In cooperation with ING Bank Śląski and backed by leading investors, including Cezary Smorszczewski, UNIQA insurance company, Enern, Partners and Miton investment funds.

Join us in Poland

If you give us your email, you will be the first to know when we launch in Poland. Join us in the online payment revolution in Poland!

We are proud to have received numerous industry awards

No. 1 Most innovative experienced startup

Wolves Summit Poland 2016

No. 1 Most innovative e-payment solution

Merchant Payments Ecosystem Awards Berlin 2016

No. 1 E-commerce solution of the year

E-commerce Awards 2014

Top 20 Czech
startups

Forbes Czech Republic 2016 and 2017

Top 100 EU FinTech startups

EU FinTech Awards 2016 and 2017

Top 50 European FinTech startup

Financial IT 2016/2017 Pathfinder Ranking

The magic behind Twisto … meet Nikita

Unique online credit scoring engine delivering decision in milliseconds

400+ factor analysed per transaction

No additional personal data required at e-shop

Sophisticated statistical models using neural networks