I'd like to use it in Serbia but it's not available, instead there are plans to make local alternatives for card-based payments, but for debit accounts you can

I'd like to use it in Serbia but it's not available, instead there are plans to make local alternatives for card-based payments, but for debit accounts you can show or scan a QR code and perform an instant and free payment. Support for this is mandated by law. Not NFC but contactless (even more so, optical scanning vs near field radio waves) and compatible with any device with a screen and camera (or POS cash register with barcode reader).