We in Switzerland didn't get that lucky. Instead we have a new middle man Twint (partially owned by the banks?) which charges much higher fees to merchants than the credit card companies did. P2p is free which they claim is paid by the bank fees but p2b is of course not. When being pushed why their fees are so high they give you the run around. Of course again the perfect racket because the end customer doesn't know about the fees, they just want to use the app and if as a merchant you don't accept this payment method you loose the business.
Because of the fee you also loose usability for the P2p payments. P2b payment is done via qr code, they do everything to prevent you from being able to do a p2p payment with a qr code as it would allow businesses to do p2p payments instead of p2c. For p2p you need to enter someone's phone number or IBAN even if they are standing right next to you.