Something factual for a change... ;-)

I bought my croissants at Migros this morning (as I do every morning) and paid with Twint. The entire payment process took exactly 19 seconds (including scanning or typing, skipping Cumulus, skipping coupons, etc.). Twint took 4 seconds of this time (scanning the QR code and waiting for confirmation).

Since you can scan the QR code directly and no longer have to use the Migros app, payment is really smooth and reliable. I'm 100% satisfied with it.

Yes, it may be that paying with the contactless debit card is 3 seconds faster, but I always have my cell phone with me and always have it to hand, which is not the case with the card.

The main advantage of Twint over the other manual payment systems is the lower fees (yes, these are also paid by the consumer in the end). Twint also offers the option of transferring money directly to other participants, which is extremely practical.

@Tessin you almost pass for a reporter from Nebelspalter ?

I assume that the QR code is the 3-dot code of this square. Then I further assume that when you talk about exact distance and a good eye, you mean the thing that is next to the shelf between the cashier and the customer.

Some people insist that you hold the cummulus card to it. Some people really don't take them. Couldn't you just scan it (at least the Cummulus card)?

So the things next to the storage area with the green scanner are actually made for Twint or other Pay, another assumption of mine, but I really want to have this confirmed. Sure, the analog Cummulus card also works, but it's actually made for Twint or other Pay, or am I totally wrong?

Hello@Mystery1978 It's about this machine:
If you want to pay as with credit card, NFC or Twint, you have to tell the cashier "with card" - so she can "change over" (=she taps a button on the cash register). Only then will this square symbol appear on the display. Now you can pay with NFC, Twint or with your credit card or Postcard. Briefly the options - the fastest first (I'm not listing all the options now):
-- NFC up to 40 CHF : hold credit card to this "left attachment where it says SIX"... now 1 LED lights up (bottom one) - then all 4 light up - then you have paid - done
-- TWINT: You scan this QR code - requires you to open the relevant app beforehand. then scan, requires internet connection for data transfer - done
-- Pay with credit card/ Postcard (you have probably already seen this version as a cash payer) Insert card into the top slot (front side down), then enter PIN (4 to 6 digit secret code), press green OK button - done

But this is only the actual payment process - the Cumulus card must be shown beforehand to scan the code... that's why I think paying with the Cumulus credit card is the quickest, because the Cumulus barcode is already printed on it.

I would like to mention - without explaining how it works - Apple/Samsung watch ... sorry "watch", you can also store credit cards there and you have them at hand, which is practical (with NFC)

Thank you for telling me about what happens between? ON and? OFF, I just wanted to point out snapshots when pensioners pay with their cell phone for the first time and you get upset because of possible awkwardness - but honestly, it's the same thing when cash payers pick the last 5 from their wallet for minutes....

Well that's funny that it's mostly not oldies (40+ according to you) @Tessin it's the 39- who keep causing problems because of Twint. The payment process may be short (for the customer) but imagine someone new at the checkout. When switching to Twint, a colleague may have to be called, which can take longer than the 19 seconds mentioned above.

Before I put it on the conveyor belt, I roughly estimate how much I have bought and take out a note. Can I get rid of coins at the kiosk?

The near future will be cashierless anyway. You take the goods from the shelf, scan them (cell phone or scanner device) and walk out. Payment will be made by card or account debit.