No (well, not quite), for online purchases in web shops I either just use my card or I use "bank direct payment" which goes via the same authorization (BankID smartphone app) used for both the direct to phone-number payments (Swish) and for online banking in most/all banks and other major companies and authorities.

I don't get paper bills for services such as phone/power/water/insurance/tv, they are delivered to my bank electronically and either paid automatically or I log in (BankID smartphone app) and confirm the payments.

So the transfer system isn't used for bills, but the same authorization system is used for bills/banking and direct transfer.