[pjc50]

This is a bit "don't do that, then"; almost all the vital things take debit cards, including through contactless.

It would certainly be nice to have something like Vipps in more countries; EU Faster Payments is getting there but not quite as usable. And it's 24-hour.

For any of the peer-to-peer solutions, you have to consider the fraud problems. The problem with micropayments is microfraud.

[ben_w]

One of the most surprising experiences of my most recent trip to the USA (18 months ago) was how few places seemed to cope with cards — and that those which did, mostly still used the magnetic stripe.

The experience showed me why Apple Pay and Google Pay were considered worth developing, or using. The only places which could do contactless payment with my card could also do it with my smartphone.