What is Twint NFC and why does it matter in Switzerland?

Twint NFC refers to contactless tap‑to‑pay with Twint at standard terminals, enabled by access to iPhone NFC. It would put Twint directly against Apple Pay at checkout. That can affect fees, acceptance, and user choice. If enabled, it could speed in‑store adoption across supermarkets, transport, and hospitality.

When will Twint Rechnung and Twint Direktlastschrift launch?

Twint targets 2026 for both features. Expect pilots with selected billers and banks before broad rollout. Twint Rechnung should pull QR‑bill style invoices into the app, while Twint Direktlastschrift focuses on recurring payments. Final timing and bank participation will guide how fast adoption spreads across Swiss households.

How could WEKO’s review affect Apple NFC Switzerland?

If WEKO pushes for open iPhone NFC, competing wallets like Twint could access tap‑to‑pay. That would increase competition with Apple Pay and may influence merchant economics. If access remains restricted, Apple Pay keeps its current edge in contactless. We expect any change to arrive gradually, with technical and compliance steps.

Is AAPL a buy because of this news?

This is not investment advice. As of Dec 2024, AAPL traded near $264 with a PE around 33 and mixed technicals. Analysts skew Buy, and earnings are due 26 April 2026. The Twint NFC debate is a local factor. Base decisions on valuation, growth drivers, and your risk profile.

Global Market Insights

February 18: Twint Unveils In-App Invoices, Presses Apple on NFC Access

ByDanny Kontos February 19, 2026

Twint NFC takes center stage in Switzerland as Twint maps 2026 upgrades: Twint Rechnung (in‑app invoices) and Twint Direktlastschrift (direct debit). The app serves over 6 million users and processed 901 million payments in 2025, up 17% year on year. Twint is also urging open iPhone NFC access while WEKO reviews Apple’s approach. These shifts could reshape in‑store and billing flows, widen merchant acceptance, and pressure Apple Pay. We break down what this means for Swiss consumers, banks, merchants, and Apple investors today.