I'm impressed how Brazil Pix solved much of those problems. IMO is currently the best payment method in the World. Mainly because it broke apart from Visa/Mastercard rules and implemented a new protocol from scratch. http://openpix.com.br/
The website you link is not the Pix specification put out by the Brazilian government. Rather that is a payment integrator building services on top of the government spec.
Most EU countries have something like this (iDEAL, Bancontact, Swish). Works great but breaks down when you need to do a cross-border payment (e.g. you are German and want to order from a Dutch shop).
