It works for online payments, ATM withdrawals and even in brick & mortar shops.
The flow for online looks like this:
1. Go to the Payments / billing page.
2. It is almost prevalent now that you just see a BLIK input box immediately, and the other standard "pick your payment options" box below.
3. Fire up your bank's mobile app, navigate to the BLIK tab (normally a swipe away), grab the 6 digits (or copy)
4. Put them in the box (or paste)
5. Press OK on your mobile device (you can even 'trust' your browser after succesful payment, such that you don't have to confirm the next payments on your mobile device with some monetary limits).
It usually takes less than 30 seconds to do all of this. No need to put your CC details or anything in.
 - https://polskistandardplatnosci.pl/en/
[more-info] - https://www.ppro.com/wp-content/uploads/dlm_uploads/2018/04/...
Paying contactless with my card takes 2 seconds, max.
And I'm not adding an additional layer, introducing yet more possibilities for things going wrong, into the payment process.
Honestly, I don't mean to be snarky. I just don't see the appeal of those apps.
- the biggest Polish banks (whose initiative this was) support it, and the ATMs (Euronet included) usually have that as an option.
- ALL of the Polish payment providers / gateways support BLIK.
- Poland is quite infamous for supporting contactless payments  and most of the POS terminals support BLIK as well.
- For merchants it also makes sense as there are no chargebacks.
I do concede that for BLIK vs. contactless payments in the brick & mortar shop the latter always would win for quick payments, but why does it seem high friction to you?
 - https://zalewskiconsulting.pl/mastercard-poles-love-contactl... and also Android / Google / Apple Pay
An interesting side note is that Swish originally focused on easy instant transfers between friends while SEQR focused on mobile payments in stores. The "winner" Swish only started supporting payments in stores officially quite recently and it's still not nearly as widely adopted as SEQR was. Basically, any checkout machine in any large store supported SEQR but very few knew what it was and even the cashiers were often surprised that the feature existed if you tried to use it.
> • PAY the correct amount
Visual verification by users is bad news. Malicious users may register with letters that have similar or identical glyphs to that of a real merchant. E.g. eBay vs еВау. Leaving aside typos, multiple possible transliterations, punctuation; overall it's a shitstream of headaches and possible attacks.
Can you point to news articles of people being scammed via the methods you describe?
So not a single case in tens of millions transactions. Seems like no point in posting since it isn't actually a problem in practice.
It is also clear that it is only really a problem for the vendor, who doesn't receive the money, not the customer, who already has the service/product.
Citation needed. And I doubt it given that it's working since Monday.
Also to take into account that Singapore is basically a city, so as a sample it's not very representative.
It's a bit cumbersome at the moment; most shops assume I'm using NFC to pay (which I think is the default option) but my cheap Xiaomi android phone doesn't have NFC, so I have to ask them to print out or display the QR code for me to scan using the app.
Other than that, it works: once scanned, the transaction completes within seconds.