> [...] than needing a separate app for the payment provider in question, having to open it to scan a QR code. At least for WeChat/Alipay, the apps integrate w

> [...] than needing a separate app for the payment provider in question, having to open it to scan a QR code. At least for WeChat/Alipay, the apps integrate with banks. You can also provide your own QR code for payment which gets scanned. The flow is then unlock your phone, show the QR code. There also isn't a step to fill payment details (unless you are comparing to some imaginary payment system). > much worse UX Presenting a QR code, opening a scanner, or bringing out the NFC payment UI are all single step operations. (unless you want to manually open the apple wallet app instead of using the double click function, for example.) I don't think you are being fair here. NFC payment has its own problems: you have to line up the devices, which means moving very close to the payment terminal. Often different terminals have different areas to line up. The scanning flow is superior as there is much greater margin of error in positioning and you can pay from a greater distance. If you bring a bunch of cards instead of having a charged phone, that's a preference but not a UX improvement. > SEPA is free and easy to use. Yes, and you will have to have a phone, unlock, open a specific app, fill in payment details.