About
Twisto is a Czech pay-later account run by Twisto payments a.s., licensed by the Czech National Bank; founded in 2013, it was sold by Australia's Zip Co to Turkish fintech Param in August 2023. At online checkout, shoppers can defer payment for up to 30 days free of charge or split it into three interest-free instalments at selected retailers, and purchases over CZK 1,000 can be spread over 3-12 months in the app. A virtual and physical Twisto card, usable with Apple Pay and Google Pay, carries the same credit into shops. Twisto said in 2025 that nearly 2.5 million people use it in Czechia, Poland and Romania.
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