I live in the Netherlands, where there’s a QR-code-based payment method called iDeal, which you need a Dutch banking app or little code machine thing to use. With my bank, at least, there are a few things you can do with the website that you can’t do with the app, but for day-to-day use the app’s fine.
Accent’s fairly thick at times! https://www.youtube.com/watch?v=bgNWVxfQzBo
You could use pad.riseup.net as a perfunctory solution. It’s just a text file that anyone with the link can edit, but Riseup is privacy-focussed.