

The problem in Europe is exactly the fragmentation of payment systems. For most you can only use them if you are a resident and have a bank account on that country.
• Wero: Germany, France, Belgium, Luxembourg, Netherlands
• MB WAY: Portugal
• Twint: Switzerland
• Swish: Sweden
• MobilePay: Denmark, Finland
• iDEAL: Netherlands
• Bancontact: Belgium
• BLIK: Poland
• Satispay: Italy
• Vipps: Norway
• Giropay: Germany
• Sofort: Germany
• Cartes Bancaires: France
- Etc....
Exactly. Even the most inclusive are hard to use when compared with using the Visa/Mastercard networks which are integrated with most banks and merchants.