Only to people that also have swish, and I can guarantee you no one I know would be happy about having to make another account and give someone else their bank info. Also there's now proof of your interaction/association with this person. Inconvenient, and publicity... the first one is arguable that you _might_ save time over the long term, but you also have to weigh in time for dealing with tax bs that comes with it, the second however is completely unacceptable and I know they won't fix it. Cash is king.