It's been a while since I lived in Sweden, but does Swish not tie to a credit card? If so, it would be no more able to process payments than credit cards, as th

It's been a while since I lived in Sweden, but does Swish not tie to a credit card? If so, it would be no more able to process payments than credit cards, as the payment processor is still involved. It will only work if it uses direct bank transfers, in which case an outage at your bank or in clearing houses (which is no less likely than an outage at a large payment provider) would take out both debit cards, Swish, and any other means of transfer. (Note for outsiders: MasterCard Debit is the most common card in Sweden from what I recall)