Scanning QR in your bank app for payment is near universal in Europe. In fact, it is considered very annoying if a site does not provide the option.
I’m European, never encountered the system you describe.
What is it and why does it exist? Apple Pay has been widely available since 2016. Why would anyone want to use some clunky QR-code thing instead?
I live in France and no such payement system ever took off.
We just pay with a standard credit card.
Looks similar but is a different thing entirely. That is for allowing a someone to take money from your account.
Because the concept of credit/debit cards is batshit insane that only serves to finance organized crime.
It is far from being universal. And the more annoying part of that is that there are at least 4 incompatible "standards" as to the format of the QRcode.