[2rsf]

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

[rafiki6]

Canada has always had something similar, called the Interac network and many banks now just offer electronic funds transfer directly. I think the OP was more talking about payment networks to merchants.

[2rsf]

What do you mean by payment networks to merchants ?