Swedish here, check Swish [1] a mobile app allowing free payments for individuals and between individuals. The only downside is that it is still "a cooperation

Swedish here, check Swish [1] a mobile app allowing free payments for individuals and between individuals. The only downside is that it is still "a cooperation between six of the largest banks in Sweden." Invoice shopping became very popular with companies like Klarna (which is also a bank now afaik) and others, you buy, get the product and pay 14 days later using an invoice sent to you. [1] https://www.swish.nu/about-swish https://www.swish.nu/about-swish