I think that's correct. By default when I opened an Austrian bank account I was only issued a Maestro card, which when used does debit my current account balance, it can't be used for online transactions.
I still have a Visa debit card linked to an account elsewhere, but 90% of my online shopping is now paid for with Sofort, a direct bank transfer, or even on credit. E.g. Bergfreund (https://www.bergfreunde.eu/) offers 10 day payment terms for online transactions.
I still have a Visa debit card linked to an account elsewhere, but 90% of my online shopping is now paid for with Sofort, a direct bank transfer, or even on credit. E.g. Bergfreund (https://www.bergfreunde.eu/) offers 10 day payment terms for online transactions.