@ireneista @blogdiva there's also the option of using ACH or wire payment rails directly through your bank, though this has its own drawbacks like *most* banks not offering masking of account details as a recipient (but some do offer it) as well as not having any real customer protection/reversibility and the fee situation. the latter should be much less for ACH.

credit card related bullshit is one of the major reasons payment processors suck as the credit card companies tend to exercise editorial control slightly over and above what the banks do. there's stuff like iDEAL in NL which is just a fancy UI for doing a SEPA (ACH equivalent) transfer with (i think?) some slightly stricter guarantees on funds availability than SEPA transfers themselves (it doesn't require that the payment settles before guaranteeing the money will go through).