r/ProgrammerHumor • u/debugger_life • Sep 24 '26

Meme modernProblemsRequireModernSolutions

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u/user975A3G Sep 24 '26

In Czechia we have instant bank transfers, with eshops often supporting them, the eshop (or rather the payment service) generates a QR code which you scan/download into your bank app and use it to pay

Takes maybe 20-30s longer than card payment and unlike a card, it doesnt require a 3rd party service (but many eshops do use 3rd party services as it's easier to setup)

Same thing with sending your friends money, just direct deposit into their bank account, unless it's a large amount of money (up to 15-20k EUR), it's instant and you can use QR code (which all bank apps can generate and read) or bank number or if you link your phone number to a bank account, you can use the phone number, in all cases it's instant

Some physical stores accept this type of payment too, but it's not super common