RODERLEI
But on the other hand you’re avoiding all the hassle with Visa cards not working online or refund fees (this community is literally flooded with such stories) when getting the STP once you really made it successfully to Switzerland.
Hint:
The regular full fare ticket from the airport to Lucerne main station costs 31.- (without local buses). So it’s up to you to decide, whether sacrificing one full STP day only for that journey makes sense, or rather getting that ticket separately combined with a smaller/cheaper STP package (if available).