[gethly]

There is no difference to the bank transfer(as that is what all of this is just wrapping inside). If you are paying with a debit card, you have the same "protections" as basic bank transfer. And from personal experience, the bank is near useless and you won't be even able to call your card company.

On the other hand, credit cards are something else. Those are essentially short-term loans that are insured. As there are many parties involved that profit from you use of these, there indeed is a lot of protection in this case. But credit cards are very niche part of online card payments and mostly it is a USA thing.