I'm fully aware of that but I chose not to do any online transfers to avoid being hacked. Strictly cash based with one exception, I use True Wallet to make online purchases with Lazada. I keep a minimal amount in TW so if hacked they won't get much. I know I could open up a separate bank account and do perhaps the same but choose not to.
Do note, I have seen the QR scan and payment occurring in front of me at Makro multiple times and to be honest, sometimes it wasn't so quick. Mainly due to the customer's slowness.