[squarefoot]

Sadly I don't think there is anything similar here in Europe that would give the same level of consumer protection though. Also convincing sellers to accept a new payment method seems a big effort that requires some time. Hopefully I'm wrong.

[Wuzado]

Something somewhat similar is Blik in Poland. Free and instant transactions: user to user, online, ATM, ground terminals. Primarily based on short-term one-time codes generated in your banking app.

In 2021 alone, it had 21.5M active users and it facilitated 758M transactions. Polish National Bank (Polish counterpart of the Fed) reported that in 2019, online transactions using Blik have surpassed in volume online payments using credit cards.