In Estonia it was solved in a somewhat saner way: there is a unified framework with which customers can: - click on a Pay with Internet bank link - it directs y

In Estonia it was solved in a somewhat saner way: there is a unified framework with which customers can: - click on a Pay with Internet bank link - it directs you to your chosen bank's internet bank - you log in - the payment is already pre-filled and - once it is done the seller gets a signed confirmation from the bank that the transaction has actually happened.