Getting Started with Twisto.js v2

Twisto “Buy now. Pay later” is a payment method that allows customers to make instant one click purchase with payment 14 days after delivery. E-shop receives full payment from Twisto after goods are shipped. Customer repays to Twisto’s bank account on the basis of payment information sent via email by Twisto.

Since Twisto takes the risk of customer repayment every order is subject to real-time credit check. For this reason, we have specific requirements for data that we need from the e-shop. The exact requirements are described in the integration steps below. Customer scoring is our internal process that is dynamic and depends on external data sources collected during the check. For this reason, it cannot be implemented completely on the e-shop’s side, but is fully run by Twisto.

What’s happening in the background for each order

• At the time of clicking on "Confirm order", the client’s browser is using the JS Library to send current order data
• Upon completion of the real-time credit check, there may be two states - “Accepted” or “Rejected”. In case of “rejecttion” customer can choose another payment method. There are no redirects, all is within the e-shops checkout page
• In case of acceptance, a Create invoice request is sent from e-shops server, which returns the order data including the Invoice ID, used in invoicing API
• At the time of shipment, e-shop will Activate the invoice (via administration or API) and from this moment 14 day repayment period will start counting
• In case of product returns, e-shop will mark the goods as returned (full or partial return) via the Twisto e-shop administration portal or API (preferred)