This is all done with QR codes here.
(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)
It's so common that people pay without even talking or confirming; I've seen customers just take their phone out, point at the QR, and walk away, and the shopkeeper says nothing. I'm assuming the shopkeeper gets a notification on their phone and trusts regular customers,
but how easy would it be to secretly place your own bank account's QR code on top of a shop's QR? People who wait for a confirmation notification will catch it immediately, but by then the customer has already paid the attacker and the transaction can't be just reversed. Repeat it in several places, and a thief to snatch quite a few payments before the parasite stickers are all taken down.