There's a report that Apple is working on QR Code or bar code payments for Apple Pay in iOS 14, according to 9to5Mac.
Users will point the iPhone camera at a QR Code or traditional barcode to pay bills and other things with a card registered with Apple Pay.
[
9to5mac.com...]
If this is adopted it could make payments much faster and, importantly, easier. I do wonder about security protocols to avoide abuse.