Well, in Hungary had the "instant payment" for years, but last year the National Bank issued the spec. & requirement for the banks to facilitate the "qvik" payment method. Which is pretty much a QR code which you scan with your bank app and they will automatically parse & populate the fields for wire transfer. Then the payment provider will do a callback to the merchant which confirms that the payment was made [1]: https://www.cib.hu/en/Maganszemelyek/digitalis_bank/mobilalk...