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For end users, both individuals and legal entities, disconnecting banks from SWIFT when making payments within Russia will not affect anything. In fact, SWIFT is an electronic messaging system by which a bank sends a message to another bank, notifying it of the need to perform a financial transaction.
The legal consequences that are most likely to occur in case of disconnection of banks from SWIFT are delayed payments between counterparties located in different jurisdictions, which in turn will lead to delays in payment under contracts, and is likely to delay the execution of such contracts.

It is allowed to transmit messages about financial transactions also by e-mail or regular mail, but in the case of using e-mail the legal risks are similar to the exchange of e-mails with the counterparty - you need to make sure that the authorized person received the letter, to do it in time, to keep all the history of correspondence; and in the case of paper letters, it is obvious that the time for a financial transaction will be significantly increased.

A link to the source of the publication and to the article is in the pdf file