I can pay for stuff with my phone in Denmark. The system is widely used, and preferred by many small merchants.  I assume the fees are lower.<p>The UK implements the same system, but there&#x27;s very little marketing for it. Most people don&#x27;t seem to know if exists. The little advertising there is, suggests the system is for paying back friends, not businesses. I assume the banks don&#x27;t want to lose the cut they get from every credit card transaction.