"Pay later" is a service offered by Swissbilling, an official partner of ÃÛ¶¹ÊÓƵ TWINT. Swissbilling is accountable for processing the "Pay later" purchases you make via the ÃÛ¶¹ÊÓƵ TWINT App. Therefore, you will receive emails and other notifications from Swissbilling.
As the issuer of your ÃÛ¶¹ÊÓƵ TWINT App, ÃÛ¶¹ÊÓƵ is not involved with and assumes no liability for "Pay later".