The situation in Europe isn't quite as rosy. SEPA is a huge PITA, usability wise, and closer to US ACH transfers; and so most countries have their own special sauce online payment solution that serves as central point of failure for that country's customer base. Belgians use Bancontact, Austrians use EPS, Germans use giropay, Dutch use iDEAL, … or, more often, don't, and just use Paypal or credit cards anyway, since it's so much of a hassle.
And even if you wanted to implement all these systems, it's so much effort that you're back to relying on payment providers like Stripe, realistically.
And even if you wanted to implement all these systems, it's so much effort that you're back to relying on payment providers like Stripe, realistically.