Hacker News Reader

That sounds like nonsense. How is sepä going to replace my payment card? I haven't seen a single sepa branded payment card around. Visa and MasterCard are all about the cards, SEPA is for money transfers from your bank account and has nothing to do with cards.

View on HN

The idea is for you to be able to pay merchants without using a card.

For example, I'm in Sweden, and when I get my hair cut, I can Swish my payment to the barber using the Swish app. They get the money within a few seconds. It's very simple. They have a QR code on the wall that I scan with the Swish app, enter the amount I want to pay (I usually add a tip), authenticate with BankID, and that's basically it.

Reply on news.ycombinator.com