[ygouzerh]

Actually, x402 was created because using a credit card programmatically is very difficult.

The whole business of Stripe is based on that: it's so hard for developers to do, and so many regulations, that they would rather pay an another company to do so.

Crypto can be sent just using a contract.transfer() call

[xur17]

And debit / credit cards are horrible for privacy (name and address info is sent along with payments).