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by tpm 24 days ago
In addition, this only starts in 13 countries. There are 27 EU members. So there is a lot of big ambitions but not followed by actions. Which is what we are sadly used to.

So when I from Slovakia want to buy something in a French eshop, I'm out of luck. And when on a vacation, can't use this system either, while a French person on a vacation in Slovakia can't use it either. My guess is people will mostly continue to use credit/debit cards.
1 comments
anygivnthursday 24 days ago
Doesn't Slovakia already have its own instant QR payment system?

Edit: oh, sorry, just realized you talking about international not domestic payments

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tpm 24 days ago
The whole SEPA area has instant SEPA payments. You can stick that into QRs or whatever. Some merchants take payments by SEPA, instant or not, but we need something else if we want to replace both online and in-person card payments throughout the whole EU, and at this point I doubt the Wero will be the replacement.
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anygivnthursday 23 days ago
Not everyone is in eurozone, there are countries with instant QR payments that are not SEPA. It is nowdays quite common to get a QR with your invoice, online or in person, it might not be just SEPA. But for now cards are still more accepted, and work even if I leave my phone at home or it rans out of battery. Not sure how Wero or QR going to solve that, SEPA or not, but still useful for a lot of cases, online payments etc, even if it does not solve every edge case.
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tpm 23 days ago
Every EU country even outside of Eurozone is in SEPA. But SEPA payments can have their own issues - I believe they were not free in all countries some time ago, not sure what the status is currently.

There might be other instant QR payment systems out there though - I digress but on our recent visit to China we had to use Alipay as the cards are not accepted at most places and of course it works through scanning QRs, either you scan the vendor's code or they scan yours, and then you enter or confirm the amount and that's it. But the issue I have with these systems is the same as yours - we are fully dependent on our phones with no backup.

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