[0vermorrow]

Also on a related note woth mentioning is Poland's BLIK[0] it's a very nice system based on generated one-time codes that are confirmed via your mobile device.

It works for online payments, ATM withdrawals and even in brick & mortar shops.

The flow for online looks like this:

1. Go to the Payments / billing page.

2. It is almost prevalent now that you just see a BLIK input box immediately, and the other standard "pick your payment options" box below.

3. Fire up your bank's mobile app, navigate to the BLIK tab (normally a swipe away), grab the 6 digits (or copy)

4. Put them in the box (or paste)

5. Press OK on your mobile device (you can even 'trust' your browser after succesful payment, such that you don't have to confirm the next payments on your mobile device with some monetary limits).

6. Done.

It usually takes less than 30 seconds to do all of this. No need to put your CC details or anything in.

[0] - https://polskistandardplatnosci.pl/en/

[more-info] - https://www.ppro.com/wp-content/uploads/dlm_uploads/2018/04/... https://www.finextra.com/pressarticle/71555/blik-becomes-the...

[CaptainZapp]

I don't get it.

Paying contactless with my card takes 2 seconds, max.

And I'm not adding an additional layer, introducing yet more possibilities for things going wrong, into the payment process.

Honestly, I don't mean to be snarky. I just don't see the appeal of those apps.

[0vermorrow]

Again, it's mainly for online payments, the others are an addition, and a welcomed one at that if you forget your card (or don't have Google / Apple Pay) when you're out somewhere.

[O_H_E]

Yeah, but that's only on real stores, not online?

[muro]

This is called "Twint" in Switzerland. When paying online, scan a QR code, done. You can also send cash to people with name + phone number. It's great.

[muro]

They also have beacons (probably NFC) in stores that you can scan and pay with the phone.

[odiroot]

Whoa. Thats awesome. I'm Polish and I've never heard of it.

[the_mitsuhiko]

That seems very high friction. Is it well accepted?

[0vermorrow]

It is quite well accepted, as in:

- the biggest Polish banks (whose initiative this was) support it, and the ATMs (Euronet included) usually have that as an option.

- ALL of the Polish payment providers / gateways support BLIK.

- Poland is quite infamous for supporting contactless payments [0] and most of the POS terminals support BLIK as well.

- For merchants it also makes sense as there are no chargebacks.

I do concede that for BLIK vs. contactless payments in the brick & mortar shop the latter always would win for quick payments, but why does it seem high friction to you?

[0] - https://zalewskiconsulting.pl/mastercard-poles-love-contactl... and also Android / Google / Apple Pay