Twisto (Twisto Payments A.S.)

Twisto is a Czech fintech that offers Buy‑Now‑Pay‑Later, virtual cards and flexible installment payments through a consumer app and merchant integrations. It provides deferred payments (typically 30–45 days), split-pay and multi‑month installment options, supported by a proprietary risk engine for rapid credit decisions. Twisto serves consumers and e‑commerce merchants across Central and Eastern Europe, aiming to make everyday payments simpler and more flexible.