These really annoy me. I used to spend a lot of time in Sweden so I tried pretty hard to get an account set up to let me pay by swish. I gave up. If you’re not a resident you can’t get a person number so you can’t get a bank ID so you can’t use swish.

What is frustrating is that lots of places I went required swish and wouldn’t take cash or card, so I ended up having to get other people to pay for me.

I bet many other systems in other countries are similar