Isn't Twint still going through Visa for the in-store purchase? I remember reading it somewhere, but can't find the source for it unfortunately, but in general whenever it is an option I prefer that over other means of payment, the only strange thing is having a separate twint app for each bank lol
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Mmmm on my UBS account I have it connected directly to the account itself, you can probably change that via More --> Settings --> Manage payment methods