[OtherShrezzing]

There's a small enough number of competing APIs that it's not an especially large burden for merchants to integrate each. For very small merchants, they usually subscribe to a tool like Stripe to offload the complexity.

The user sees a "click here to interface with your bank" type experience on almost every site in the EU & UK.

[cassianoleal]

> The user sees a "click here to interface with your bank" type experience on almost every site in the EU & UK.

This functionality exists in the UK but it's unfortunately not as widely adopted as you suggest.

[politelemon]

The few instances where I've had a chance to use it, it's been really well done.