[lmz]

Cards don't really need webhooks (unless you get into 3ds). Other payment types may need webhooks because they are fundamentally async.

[dxdm]

3DS is a big deal in Europe, and card payments can be disputed. So I'd argue that credit cards are async, too, at least on some edges that can be expensive to ignore.

[sofixa]

Because of PSD2 (regulating card payments in the EU), 3DS, including multi-factor authentication with an application or sms, are mandatory in the EU.