Refunds are credited to the credit account stored in the ÃÛ¶¹ÊÓƵ TWINT App (Settings > Manage credit account). This also applies to most payments that were made with a credit or prepaid card stored in ÃÛ¶¹ÊÓƵ TWINT. Refunds of payments with a ÃÛ¶¹ÊÓƵ Visa Credit Card are sometimes credited directly to the card.