[sam_lowry_]

Nah, BLIK from Poland was there earlier and is in many ways better, Wero was unfairly lobbied for by the old European guard, so most of Eastern Europe walked away.

They are now hesitantly joining Wero, supporting it only to downplay and to lobby ECB for an API platform and not for a product.

[gpvos]

I've used BLIK once, for an online payment from the Netherlands to Poland, and for that it was terrible. I assume it's much better integrated into the Polish system.

[pndy]

Every bank supports it - there are quick money transfers by phone number (as long such number is registered as a payment recipient within Blik) and kind of cheque that can be redeemed using ATM. And of course you can do standard withdraw, deposit operations with Blik using ATM as well. POS terminals supports it along with standard card and contactless payment options.

Blik supports one-time, recurring and deferred payments (that last thing is just being implemented by few banks but probably will be available everywhere soon), and one-click ones that don't require PIN verification. I'm not 100% sure but the only thing that's not possible is charge-back - if you pay with Blik, you're left with a standard complaint for payment that caused problems.

Last year I was using Blik to pay for my taxi to some 80-year old private driver because I didn't had enough cash - he was totally fine with it and as I noticed his car had even a Blik sticker.

Not sure how other European systems work like but I assume these are pretty similar in terms of functionality. The 6 digit temporary codes generated by your bank app and verified by secondary PIN will stay here along contactless payments done by cards or phones, watches.

[gpvos]

I think a nice thing about BLIK is that it actually worked in my case, even though it was cumbersome. Using iDEAL from a Polish account just isn't going to happen.

[tremon]

> BLIK from Poland was there earlier

BLIK was launched in 2015 according to Wikipedia; iDeal is from 2005.

[sam_lowry_]

iDeal from 2005 is not Wero ;-)