Almost everyone of school age now has a bank card and uses it several times a day with great practice. Since the COVID 19 virus, contactless payments have become even more successful. However, one drawback that affects everyone almost invisibly is the high cost, which both the accepting and the paying customer may pay in some cases. In recent years, a new development has enabled us to make significant progress in avoiding the significant costs associated with card payments. This is the implementation of instant transfer orders at fast checkouts. Developed for banks, our application is able to execute an instant order through the bank’s secure channels with customer identification, so that the transfer is essentially completed in real time. There is no cost to either the payee or the originator. And the transaction can be carried out securely using a simple smartphone.