Swish is even older.

The issues with Twint:

- Switzerland hasn't gotten Apple to open up NFC payments at the same conditions as the EEE, at least not yet.

- Twint is part of the EMPSA which hasn't really delivered anything tangible. On the contrary there's now a real push from EPI and EuroPA to make Wero interoperable with non-Eurozone networks. Hopefully Twint will get on board too.

- Transaction fees are on the higher side, consequently merchants don't have any reason to push Twint or disincentive debit card payments.