There are also startups such as Swiipe [1] that replace debit card payments by direct app-initiated account-to-account transfer.
This is enabled by the payment service provider APIs as per the EU Payment Services Directive (PSD 2) and the EU Single Euro Payments Area (SEPA) infrastructure that make these payments free and "instant".
This is enabled by the payment service provider APIs as per the EU Payment Services Directive (PSD 2) and the EU Single Euro Payments Area (SEPA) infrastructure that make these payments free and "instant".
[1] https://swiipe.com/en/