So how can a QR code not supply the necessary data? Example:
payment://iban=XXXXXXXXXXXXXXX&amount=12.34EUR
Any bank app should be able to read this. What is so complicated? Right, nothing. Credit card companies are a hidden tax, worse, they are a tax on turnover, not profits.
But in EU you don't usually get credit... The cards are often debit only. Yes, credit cards do exist but they are not like the american cards, and things like chargebacks are not super simple. I for example haven't had a credit card over a decade now...
Chargebacks exists for (EU style) debit cards, too. It doesn't need to be simple just available, so if the merchant disappears with your money or someone uses your stolen card, there is a way you can get your money back. With bank transfers that's not possible (at least here).
