Some payment services are designed in such a way that people with different types of physical disabilities cannot use them. This can include, for example, visually impaired people who have difficulty using touchscreens, which can include both smart phones and payment terminals with glass screens (so-called pin on glass). For people with cognitive disabilities, digital payment methods can sometimes be difficult to learn or understand. Cash can more clearly show how much money is spent and how much is left in your wallet. Many people with cognitive disabilities do not have a BankID, which rules out Swish and makes it difficult to shop online. BankID also facilitates the use of a range of other services - for example, access to the digital services of public authorities and businesses. Access to a BankID requires a Swedish personal identity number, which can make it difficult for foreign citizens coming to Sweden. A new government e-ID can improve the possibilities of digital identification for those who, for various reasons, are not allowed or unable to use BankID. See the chapter Are payments in Sweden safe?.

Card payments in physical stores have become an accessible and easy-to-use payment option for the vast majority of people, even for groups that are not otherwise digitally involved to any great extent. The ‘tap-to-pay’ function has made payments faster, and also made it easier for people who have difficulty remembering codes. This is because lower-value purchases do not require a PIN, although the maximum amount varies between banks. Services that integrate cards into mobile phones can also help, such as Apple Pay and Samsung Pay. These purchases are authenticated with biometric solutions such as facial recognition or fingerprints, and rarely require a PIN. But this requires access to and use of a smart phone. The same applies to some services, such as parking and public transport, which advertise and provide discounts for purchases and payments via different apps. The Riksbank believes that several payment alternatives, particularly cards, need to be offered when purchasing goods and services. Read more about this in the chapter Everyone shall be able to pay.