In Poland we have something called "Blik" (https://en.wikipedia.org/wiki/Blik) state of the art internet payment system. https://blik.com/en Sadly it has to be supported by bank (to be specific their mobile app) so not usable by all EU customers. But since it is also operated by banks (they share cost of IT infrastructure) commission is much lower than Visa/MasterCard and milion times easier to use.
In 2020 Blik had 7 million users and processed 424 million transactions. In 2019, the number of Blik transactions exceeded the number of transactions made on the Polish Internet with payment cards.
In PSD2/3DS world paying with card is real pain in the ass, only advantage is transaction insurance and chargeback.
In 2020 Blik had 7 million users and processed 424 million transactions. In 2019, the number of Blik transactions exceeded the number of transactions made on the Polish Internet with payment cards.
In PSD2/3DS world paying with card is real pain in the ass, only advantage is transaction insurance and chargeback.