[Symbiote]

Britain used to have Paym, which would have made the process simple — except the banks never promoted it for business use, and barely promoted it for individual use.

In Denmark we have MobilePay, and similar systems exist in several other countries. I rarely use it in-person in businesses if I can pay with a card instead, but since McDonald's and Burger King both accept it I think it's popular with teenagers. I most often use it at very tiny shops and bars, who accept either MobilePay or cash.

The other comment about a small $5 transfer reminds me I recently paid 10kr ($1.50) for a cloakroom fee using MobilePay.

It varies depending on how much the business has spent integrating the system, but essentially you scan a QR code and swipe to transfer the money.

The lack of fraud protection isn't a big deal, as it's replacing smaller cash purchases.

(I also use it transferring money between friends, and sometimes when ordering online as it's a smoother process than paying by card.)

https://en.wikipedia.org/wiki/Paym

[gertrunde]

Paym had other issues as well - a given telephone number could only be linked to a single bank account was one objection iirc.