[whizzter]

Sounds a lot like Swish in Sweden (and I think Vipps in Norway). It basically started as a user to user system that works by tying a persons phone-number so you can send momey to anyone you have a phone-number for.

Quite quickly this system was adopted by small companies before it was made official and they quickly introduced a user to company variation, a tad costly but the ease of just scanning a QR-code to pay has made it a hit (The QR code always has a recipient, optionally with a sum and infotext also I think).