To expand a bit on Swish: for individuals it is connected to your cell phone number. As long as someone knows my phone number they can send me money via Swish,

To expand a bit on Swish: for individuals it is connected to your cell phone number. As long as someone knows my phone number they can send me money via Swish, basically you text money. Instant transfer, no charges. Businesses can set up special Swish numbers though, like you say.