Should be, yes. As long as instant transfers are enabled (which, reading this thread seems to not be as common as I thought). I don't have a complete solution

Should be, yes. As long as instant transfers are enabled (which, reading this thread seems to not be as common as I thought). I don't have a complete solution but this is all public information. Barcode to read with your bank app (guide is in Finnish) https://www.finanssiala.fi/wp-content/uploads/2021/03/Pankkiviivakoodi-opas.pdf https://www.finanssiala.fi/wp-content/uploads/2021/03/Pankki... Example Bank API: https://op-developer.fi/p/psd2-info https://op-developer.fi/p/psd2-info The user will likely take ~20 seconds to get their phone out, unlock it, log in to the bank app, confirm the transaction and set their phone down. The PSD2 API shows the transaction immediately (again, instant transfer being enabled is a prerequisite) and the seller can confirm that payment is complete.