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Payment app without Google in Europe?
(slrpnk.net)
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this post was submitted on 02 Sep 2025
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Privacy
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In the Netherlands, at least with ING, you can request standalone code reader and pay through any browser, like this:
Speaking as an ignorant American who still happily uses card, I have to ask:
PEOPLE PAY FOR SHIT VIA QRCODES??? O_O
Those aren't exactly qr codes, but rather a scan code, different thing.
Though yes, one could pay using qr here. But I never do it because anyone can make QR codes. With those scan codes you need more additional verification, it's safer.
Some enterprising individuals in the US figured out you could print out your Venmo QR and stick it to parking signs to get people to just send you money
Lol that sounds about right. As someone who works in retail (please kill me now), I can def tell you that people don't pay attention.
Honestly, it might be I'm wrong about this since I don't live in a big city so maybe it's different in like NYC or some shit, but I'm under the impression that QR Codes have kinda been dead in the US. At least I hardly ever see one in the wild anymore. Mainly I presume for that reason. It's a prime way for malware injection.
most places that use qr codes here have them on a display and change them every five seconds.
Where?
yurop
It's ubiquitous through much of SE Asia. Eg Thailand etc
That's something I did not know. Thanks for educating me!
Yes, this is correct.. not just Thailand, but also Malaysia (where I’m from), Indonesia, Singapore, Vietnam, Philippines, and Cambodia..
Oh mate, you need to go to China and discover that shit! It was already everywhere back when I lived there in 2016 and I mean everywhere. Even the local dude selling flat bread for 50p accepted payment with his QR code. Amazing stuff, seriously.
I'm so sick and tired of being so far behind...
Ahh, no no. We can pay with card with no need for an app. This code reader thing can be used for 2FA when making an online payment or logging into the banking site, so one does not need to use a phone app.
Well that's interesting! :O
I’m from a Southeast Asian country known as Malaysia, and yes, not only it’s a norm to use QR for making payments at shops and transfer money online here (we have a unified QR system called DuitNow QR), but also when paying at some shops in neighbouring Thailand and Singapore.
Yep, in Belgium too. Can be directly at the cashier in a physical store, barber, etc or online e.g. food delivery. It's pretty efficient and AFAICT pretty low cost. Also does not have to rely on MasterCard or VISA.
thanks a lot, i am also an ing customer and not aware of that. do you mind explaining a little bit on how it works?
This scanner is for 2-factor authentication in the case that one does not want to use a phone app. When you try to log in, or pay online, the browser displays a unique QR code that the scanner is able to decode.
You would enter your pin into the scanner, scan the code, and the scanner displays a number. You then type that decoded number into a field under the QR code and your are let through.
It can be ordered for free here in the NL: https://www.ing.nl/particulier/digitaal-bankieren/mijn-ing/scanner
So, with this scanner as a 2FA method, the app is not needed. One can pay offline with a card, online with a scanner, and check account balances through any browser using the scanner to log in.
Thanks so much. This is really helpful :3