With QR code and modern banking system, this is more convenient for customers than ever. Customers can make order online, choose QR code direct bank transfer as the payment method, the store then display a QR code (containing the amount, charge ID and relevant bank account info) and the customer just uses their mobile banking app to scan the QR code and authorizes the payment. 5 seconds later, the online store gets a webhook notification from their bank/processor showing the payment has been received, along with the charge ID to finalize the order. The QR code payment system has been very successful in other countries but not in the US yet.