Twid

Twid Overview For Merchants

Twid is a reward-points payment network that lets merchants add Pay with Rewards at checkout so customers can redeem loyalty points from multiple programs for instant discounts. In practical terms, Twid positions reward points as a payment method across digital and in-store commerce, aiming to reduce friction at checkout while enabling customers to spend points like cash at participating merchants.

What Twid Is And What It Sells To Merchants

Twid focuses on one core merchant-facing capability: enabling customers to redeem reward points at the point of purchase across a network of loyalty programs and issuers. Twid describes its platform as converting fragmented, underutilized reward points into a universal, spendable currency and operating as an embedded ecosystem for consumers, merchants, and financial institutions.

From a merchant perspective, Twid is not presented primarily as a full-stack payment gateway. Instead, it is marketed as an embedded checkout option (“Pay with Rewards”) that can be added to an app, website, or store checkout flow.

How “Pay With Rewards” Works At Checkout

Twid’s support documentation describes a straightforward consumer flow that is relevant to merchants because it dictates the in-checkout steps:

1. Customer adds items to cart on a participating brand.

2. Customer selects Pay with Rewards at checkout.

3. Customer selects a reward program.

4. Customer applies an additional coupon offer (if applicable).

5. Customer completes the transaction using a preferred mode of payment.

In some implementations, if the customer’s reward balance does not cover the entire order amount, the checkout can continue by collecting the remaining amount via other payment options (for example, cards, wallets, net banking, or UPI), after the reward redemption is applied.

Where It Can Be Embedded

Twid positions Pay with Rewards as usable across multiple acceptance contexts:

• Online commerce: app, website, mobile site, PWA.

• In-store commerce: Twid references using collected reward points as a mode of payment at participating merchants through POS.

This “channel coverage” framing is important for merchants that operate both online and offline and want a consistent loyalty redemption experience.

Merchant Value Propositions Highlighted By Twid

Twid’s merchant page emphasizes commercial outcomes tied to introducing reward redemption directly into checkout:

• Boost conversions: positioned as driving more transactions on app, website, or store by adding Pay with Rewards at checkout, with a cited 99.5% success rate.

• Increase spend per customer: positioned as driving 25% more spending each time and encouraging faster repeat transactions.

• Marketing efficiency: positioned as enabling “365 days of exclusive discounts” through Pay with Rewards.

• Upsell support via “Fetch Balance”: positioned as helping merchants upsell and cross-sell by surfacing reward balances as part of the experience.

Twid also highlights scale signals intended to reassure merchants about available liquidity in points and network effects, including access to over ₹20,000 crores in reward points and a network connecting over 100,000 merchants.

Supported Rewards And Loyalty Programs

Twid’s support content lists examples of reward programs that can be used with Pay with Rewards and notes that the set of partners is evolving. Examples include:

• Flipkart SuperCoins

• Payback Points

• InterMiles

• IndusInd Bank credit card points

• TimesPoint

For merchants, the practical implication is that Pay with Rewards is designed to present customers with eligible reward programs during checkout, rather than requiring the merchant to build separate redemption logic per loyalty partner.

Payments, Processing Responsibilities, And Settlement Framing

Twid’s terms describe its role in partner checkouts in a way that is relevant to merchants. In particular:

• When Twid is integrated into a partner site or app for payment, purchases, or points redemption, user registration on the Twid platform may occur using user information passed from the partner.

• Twid describes its responsibility as processing payments and settling to the third-party merchant, while disputes about the merchant’s products or services remain between the customer and the merchant.

This positioning suggests Twid is intended to sit within the payment flow for Pay with Rewards transactions, while the merchant remains responsible for the underlying order and fulfillment.

Currency Scope

Twid’s terms state that payments made against purchases or services on the platform are compulsorily in Indian Rupees (INR), and the platform does not facilitate transactions in other currencies for purchases made on the platform. For merchants, this is a key constraint for assessing fit across geographies and cross-border needs.

Security And Compliance Posture

Twid’s support materials explicitly state:

• Pay with Rewards is a PCI DSS certified platform.

• Data is described as 256-bit encrypted.

• Data collection is described as requiring opt-in consent and transparency.

Additionally, Twid’s privacy policy describes how its mobile app may access transactional SMS data from alphanumeric sender IDs after specific consent for purposes such as transaction-based reward logic, while stating it does not read personal SMS messages or OTPs.

For merchants evaluating Pay with Rewards as a checkout method, these points indicate Twid positions itself as operating with payment security controls (PCI DSS) and encryption, and as applying consent-based data practices in its app ecosystem.

Reporting And Transaction Visibility

Twid’s support documentation provides a pathway to view Pay with Rewards transaction history via a login flow (mobile number plus OTP) at a Twid-operated web destination. While this is described in a consumer context (checking “all my transactions”), it indicates that Pay with Rewards transactions have a dedicated view separate from transactions done via other platforms or reward partners.

For merchants, the main operational takeaway is that Pay with Rewards transactions are tracked distinctly, which can matter for reconciliation, customer support, and dispute handling.

Where Twid Fits Best In A Merchant Stack

Based on Twid’s public descriptions, Pay with Rewards is best evaluated as:

• A checkout method to unlock customer value from loyalty balances.

• A loyalty redemption layer that aggregates multiple rewards programs under one redemption experience.

• A feature that can support both online and in-store commerce flows (where implemented).

At the same time, Twid does not publish a public fee schedule or public API documentation on the pages reviewed, so commercial terms and technical specifications appear to be handled through partner engagement rather than self-serve developer onboarding.

Conclusion

Twid’s merchant proposition centers on adding Pay with Rewards to checkout so customers can redeem loyalty points from multiple programs for instant discounts, across online and POS contexts. The platform is positioned as a reward-points payment network operating at scale in India, with INR-only payment scope stated in its terms. From a risk and controls standpoint, Twid describes Pay with Rewards as PCI DSS certified and 256-bit encrypted, and it provides support documentation that outlines the customer redemption flow and lists example rewards partners. For merchants, Twid is best understood as an embedded redemption and payment experience designed to convert loyalty balances into spend at the point of purchase.