Easy to set-up in my experience! You need the mobile number as it runs mobile to mobile. You don't necessarily need a smartphone now either. If you have smartphone just download the app and follow in-app instructions, final set-up involves either ATM machine or go in bank for verification. Simples I have a few customers on it and works well. Easy to tell who's paid you and then tick off your records. Love it.
Barclays initiated this an d bank of england are now working on a system to run identically with it involving all the banks. Within 3 years this WILL be massive