Twisto is a provider of instant virtual credit card for mobile purchases. It is enabled by our unique risk assessment engine “Nikita”.
Through Twisto Account we delivery 1 click payment experience. This is enabled by the smart use of credit that helps us to aggregate all of customer's online purchases into one monthly invoice. Our customers can choose to pay each month in full or in flexible installments. Our proprietary risk assessment engine Nikita evaluates hundreds of individual factors and delivers a credit decision within milliseconds. Such speed allows our customers seamless payment experience without the need for forms or website redirects. Furthermore all Nikita requires from the customer is his name, email, address and mobile phone number. With an average transaction approval rate above 80% and default well below the industry average. We are now successfully offering Nikita to banks to help them make better credit decisions in the online environment. In 2016 we are bringing Twisto into the mobile app market. The Twisto app will serve as your personal day-to-day financier redefining your transaction experience. We will deliver the power of banking into your hands... With an increasing shift to digital-online world, banks will function as “deposit boxes” where your monthly paycheques are held. Payments will be carried out by specialised payment companies that will oversee the monetary transactions.