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It can, in fact there is even an open standard for that:

https://en.wikipedia.org/wiki/EPC_QR_code

By the way credit card companies do a lot more than Wero, SEPA or any other similar instant payment solution (e.g. chargeback).

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But in EU you don't usually get credit... The cards are often debit only. Yes, credit cards do exist but they are not like the american cards, and things like chargebacks are not super simple. I for example haven't had a credit card over a decade now...

Chargebacks exists for (EU style) debit cards, too. It doesn't need to be simple just available, so if the merchant disappears with your money or someone uses your stolen card, there is a way you can get your money back. With bank transfers that's not possible (at least here).

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