[omnimus]

SEPA payments are now instant in almost every country. I understand the rollout is gradual but in some of the countries QR payments through SEPA is has been highly popular for few years now.

I have merchants/restaurants asking me if i can pay with QR instead of card because they get more money. And in local eCommerce all the online stores give it as option and often have it as prefered default.

I think the problem is that many countries have huge lag in adoption and often lie about it. Electronic crossborder prescriptions (ePrescription) was pushed and countries claimed to adopt it so they got some EU money yet when you are in Greece (one of the countries claiming support) nobody has ever really heard about ePrescription.

The other problem is constant Not invented here syndrom of Germany that never wants to adopt anything already running and instead invents their own variation.