Before buying, I asked OnePlus Germany whether this model was also suitable for Switzerland. They told me that it also works fully in Switzerland. Maybe it's also a question of the network provider. I myself have always used Swisscom because of the coverage and have not had any problems with the OnePlus 7T Pro McLaren Edition. However, I don't use Samsung Pay. The OnePlus 7T Pro also has many settings that need to be taken into account. So I wouldn't let any reports stop me from buying it.
It's a great phone.
I haven't noticed any limitations so far. Everything works flawlessly, the device is lightning fast and has a super nice screen. A real recommendation to buy.