[ojagodzinski]

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.

[isbvhodnvemrwvn]

It's probably worth noting that online transactions with payment cards were never the dominant form of payment, many people preferred to send a bank transfer directly (with delay until next payment session) or use a number of services which work as middle men to settle these transactions instantly.

Card payments are often seen as the least secure way of paying for stuff, but they are mildly more convenient than sending a bank transfer.

[kjagiello]

Sweden has adapted something similar, Swish[1]. Co-owned by banks and so far without any fees for private entities. The adaption rate has been really incredible. Already 75% of the population has signed up for it and, in 2020, made over 600 million transactions.

[arthurcolle]

is that per calendar year or in total?