I think partly because Google and Apple controlled the contactless bits of the phones for many years, the non-OS-makers like WeChat and AliPay made use of the open technology of QR codes. I think theoretically you could build equivalent things as they have with NFC today on those platforms but on the other hand being able to set up a “POS” with nothing more than a printer does have an appeal to it, even if writable nfc stickers cost 5 cents you still have to go buy some.

Having been there recently, it's about as annoying as taking out your phone to pay for something. Some systems also support NFC now, though the most common is still QR. Also helps that their QR scanning tech/transaction processing is really fast, many transactions were as fast or even faster than me scanning with a card from my experience.

(Also if you want to talk annoying payments don't get me started on how insane it is that the US still requires me to hand over a physical card at most restaurants to take over to their register... sorry I just can't help but get annoyed by this lol)

QR payments in china was already prevasive before contactless payments became prevasive in the west. And as others say: not all phones supported nfc at the time. Remember iBeacons on iP5? Wechat and Alipay was already everywhere by then

It's all WeChat Pay (or AliPay).

Lots of phones don't have NFC. All phones have cameras.

Which one?

For better or worse there's no such thing as "Europe" despite the wish of many on HN.

Such a system exists in, for example, Switzerland. Actually there are two such systems that aren't compatible. There are QR code invoices for domestic payments, where the code includes the target bank account details, amount to pay, transaction details etc. That's scanned by your bank app, direct p2p payment. And there is Twint, which is a domestic consumer payments app. The QR codes often contain short one time use codes that are looked up server side.

Why do people use them: because it's easy and the fees are low. Banks give you QR code invoices even for small businesses for free. Twint is a bit like Venmo, you can send to numbers in your address book for free, and for businesses they can do website integrations easily and even print out static QR codes to stick on market stalls etc.

Twint isn't as fast, convenient or reliable as NFC card payments so the card/tech companies still have an advantage. But it's been getting better. Maybe at some point the NFC elements in the card tech will become flexible enough to allow arbitrary mobile apps to be as good as tap-to-pay.

QR codes are used in direct account-to-account transactions. They encode all the data like the IBAN-based account number, bank code, requested sum etc. that you may find on invoices in a way that’s much more convenient than typing over by hand.

Apple Pay meanwhile uses your credit/debit card to perform the transaction, the other party needs a terminal or payment gateway and is required to pay fees to Visa or MasterCard.

Standard card payment that you need to autorize on your phone in your bank's app...

Or if you want to play a bit, have a browser with some extension that breaks websites and show them "it doesn't work on my phone". Pranks apart, in my experience, I always got a paper menu when I asked for it.

That is an incredibly long bow to draw from someone that obviously doesn’t know what they’re talking about and is willing to make massive jumps to conclusions. Do you know how ecommerce works? I agree that it is a bit absurd, but not nearly as absurd as your claim of “the only reason”.