Hi everyone,

I just noticed that CHF 680 was taken from my Twint account, with the company name Trekksoft AG. The problem is: I have absolutely no idea what this charge is for.

I emailed them already, but they never got back to me. They also won’t take my calls. On top of that, I didn’t even get a notification when the money was taken from my account.

I asked Raiffeisenbank (my bank) for help, but they said they can’t do anything until Trekksoft reaches out to me first, which feels really frustrating and kind of useless.

Has anyone else here experienced the same with Trekksoft AG? Are they legit, or should I go straight to the police/bank to dispute the charge?

Any advice would be super helpful.

Update (16.09.2025):

Quick update for everyone following this:

I reached out to Outdoor+, since I thought they might’ve been involved, but they confirmed it wasn’t them.

Also, I forgot to mention earlier: on my Twint it was listed as a subscription, which explains why I didn’t get any notification. Many of you pointed out that I might’ve accepted it by accident — I still don’t think that’s true, but fair enough, I stand corrected on that part.

Now, the weird part: I just got 4 refunds of 85 CHF each from Trekksoft. That’s 340 CHF back, but I’m still missing half of the original 680 CHF. And why refund in small pieces instead of just paying back the full amount? Super sketchy.

I also contacted my bank (Raiffeisen) again. They said they can’t do anything since the transaction was made through Twint, but they’re passing this on internally to investigate how the perpetrator managed to pull this off in the first place. They also urged me to file a police report — I’m just not sure how valid that still is if half the money is already coming back in these weird chunks.

Lesson learned though: from now on, I’ll only use Apple Pay.

Image of 85 x 4 coming back into my account: https://imgur.com/a/pwdcVvF

TL;DR: Outdoor+ says it wasn’t them. Charge was listed as a Twint subscription (why I got no notification). Trekksoft refunded 4x 85 CHF (340 total) but I’m still missing half. Bank can’t help since it’s Twint, but they’re investigating. Police report was suggested. I’ll be sticking to Apple Pay from now on.

by splatne

32 comments

  1. According to Zefix (https://zefix.ch/en/search/entity/list/firm/974814) is a Zuger company, with the following purpose (translated):

    > The purpose of the company is the development, sale and trade of hardware and software as well as the provision of related services, in particular service mediation by means of electronic media. The company may establish branches and subsidiaries in Germany and abroad and participate in other companies in Germany and abroad as well as carry out all transactions that are directly or indirectly related to its purpose. The company can acquire intellectual property rights and acquire, encumber, sell and manage real estate at home and abroad. It can also provide financing for its own or third-party account as well as guarantees and guarantees for subsidiaries and third parties.

  2. How can someone take money from your bank account using Twint without you sending the money ? Never heard of that, what happened exactly ?

  3. From what I’m seeing the *look* legit, but I cannot be sure (never heard of them or used their services).

    As for the charge, if you did not make this transaction yourself, I would go to the police/bank asap to dispute it, no matter the reason you were charged (error on their end, someone accessing your credentials, etc.).

  5. YOu have scanned a twint qr that asked you if you were ok to let Trekksoft AG auto bill you… Otherwise they cannot… so unfortunaly you didn’t read one time what your app asked you.

  6. Trekksoft is a payment software so the charge could be from pretty much anything, do you see any additional info on the charge?

  9. Hast du in letzter Zeit mal ein Parking oder E-Ladesäulen QR Code gescannt? Es könnte sein, dass du auf einen QR Code Scam reingefallen bist. Trekksoft ist da nicht direkt der Übeltäter sondern nur die Clearing Stelle (wie Paypal u.ä.).

  10. What were the last services or products you used twint for?

  11. — Send a written complaint to the company.
    — Send a written complaint to your bank (unauthorized charge).
    — Make a police report (suspected fraud).
    — Start Betreibung process against the company (the documentation required is pretty light; the police report would work best).

    Do all of the above at once.

    Most likely the company will explain the charge. Or give back the money.

    Otherwise — Schlichtungsbehörde.

  12. Have you recently booked a guided tour or activity? Trekksoft, as others have said, is a booking software that is used by a number of tour companies in Switzerland and around the world, and is legit. If you’ve booked, for example, a rafting experience or paragliding flight and paid online when completing the booking, the transaction will show Trekksoft and not the company you made the booking with.

    Source: have worked for numerous companies connected to Trekksoft.

  13. P.S. I like how invested everyone is in this story

  14. 1. Dispute your bank statement. Immediately!
    In writing, either through e-banking message or certified letter.
    Normally you have 30 days after the issuance of a monthly statement, but that is in your respective bank’s T&C

    2. Contact Trekksoft AG and ask for clarification. Give them a 30 days window to respond.

    3. If both of the above won’t resolve the issue, contact your local small claims mediator (Friedensrichter). They will try and find a resolution (settlement or refund) , or give you permission to sue (Klageerlabnis) in court.
    But since mediators can make a verdict up to the amount of CHF 2000.- it’s unlikely you’d have to go to court.

    Good luck

    Also please update us

  15. Did you check the TWINT transaction log of your TWINT app?

  16. Better to use a credit card where they can claw back the money. 

  17. Only thing that comes to mind is Automatic Transaction. They can‘t just take Money from you. Something smells fishy here.

  18. Based on their Pricing website, it seems like some kind of integration portal for sales.
    Do you have an online store?

  19. Can you check on the settings “Automated payments”, what exist there?

  20. You very likely did authorize this somehow.

    Its very unlikely that they were able to just charge your Twint without confirmation from your end first.

    I would try to escalate this further with Raiffeisen, I’m pretty sure they at least have more information.

    Otherwise call the company as they apparently are some kind of payment software provider. If they cant help -> Police.

    But again, you very propably did authorize this somehow. Even if through some scam or something. But I also read on Reddit that there were cases like this before with Twint, so you never know.

  21. First:

    Check

    Mehr -> Automatisierte Zahlungen -> is Trekksoft AG among those that are allowed to make automated payments?

    No? Contact TWINT immediately and contact your Bank to trace the transaction.

  22. Schau unter automatisierte Zahlungen nach im Twint Menü

  23. You don’t have a Twint account, unless you are talking about Twint Prepaid. You have a bank account connected to your Twint app.

    The only way this can happen is if you fell for a phishing attack and gave your Twint login details via a webpage that wasn’t in fact Twint. Every other case, you have to actively accept a transaction for it to go through.

    So my suspicion is that somebody paid at an online shop via your login details. Just to be clear: Twint is not like a bank card, they (the online shop) **cannot** charge you via Twint unless you explicitly approve it.

    EDIT: of course, check the Automated Payments section as others suggested, it can’t hurt, but will eliminate one possibility.

  24. did you authorize any company to automatically process payments via twint? you can check that in your twint settings.

  25. Hi im from switzerland it happend by me to u need to ask the bank the document for scam cuz of abo
    They take u on website and u get a pdf document u need to fill out and print then go to the police

    Becareful if its a normal payment cuz a company can have a old name (u need to pay the work its 50-80$)

    When its a scam u get the money without the paying work:)

  26. We need more transparency for the end users. That should simply not be the acceptable.

  27. Just to give another thought – if this seems like it wasn’t legally taken from you, try and contact your “rechtsschutz” for some advice if you’re insured. Alternatively some insurances have a cyber fraud insurance included which can help if this was a fraudulent transaction. Hope you’ll get your cash back soon!

  31. This is getting common. Your bank card details have been sold online and somone used it in your name. This is an effect of data leaks all over the world which I am sure that you have heard about.

    I paid for Itunes songs (they are still around apparently) and my money went to apple. This is even though I have never had an Apple product.

    I contacted my bank, they had no idea what that was about.

    I contacted Apple, and they said that this is starting to be common.

    They sent me back my money the next day.

    Change your card, contact the company that the money went to and it should be ok.

    Upvote this so that OP sees this.

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