In Germany, we have something called SOFORT Überweisung which logs into your bank account to do online payments. As a non-German, I'm not sure how this is allow

In Germany, we have something called SOFORT Überweisung which logs into your bank account to do online payments. As a non-German, I'm not sure how this is allowed, but it seems to be long-standing business. I don't think most of the banks like it, though.