Twisto is a leading BNPL service from CEE. With our neat but powerful mobile app, customers can defer their payments, divide them in three without fees, divide them into installments, split the bill with their friends or take care of their invoices quickly and easily. And with our virtual and physical cards, they can shop comfortably everywhere. On top of that, the account comes with the best exchange rate possible for international payments. Twisto aggregates the payments and the user simply pays them all at once. More than 20 000 merchants that use Twisto offer wider and better payment options for their customers with higher conversion rates, higher average purchase value and less time wasted. People also shop more often at e-shops that implement Twisto. While customers can easily defer the payments or split them into installments, merchants get their money right away with zero risk.