I find Blik to be one of the best payment methods ever invented. It gives you a one-time-use 6-digit code that is valid for no more than two minutes. When the

I find Blik to be one of the best payment methods ever invented. It gives you a one-time-use 6-digit code that is valid for no more than two minutes. When the code is given to a merchant, either on line or in person, you get a popup with the amount and merchant name which you need to manually approve. You can give that code out over the phone to a family member who's currently at the store buying things for you, or to a child who's trying to get something for themselves. This is extremely convenient while still being secure, and it allows for secure payments on shared, malware-infested computers. Some online services also give you the option to remember your device for future use. If you decide to do so, you will get a notification the next time you're trying to pay there, which you still need to approve. This is more convenient than typing in a code, while still being as secure. This system is pretty resistant to fraud (you always need to approve the amount in your banking app), while allowing for irreversible payments, which merchants like.