Ask HN: What's your preferred digital payment method?

i'm interested to know more about the international payment system but most of the data online is looking more and more biased so I'm here to do recon

i'd love to know what's your preferred payment method for digital payments and why, any story you share would be great too

ps: please start with your country like

"US: <response>", it'll help me categorise better

thank u, in advance