And the idea would be to have something even my grandma can use, not some nerdy solution, any thoughts?
Use cash
this post was submitted on 27 Mar 2025
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A sensible stopgap solution, but doesn't really work for big purchases or online shopping.
For big purchases it doesn't, indeed. But for online shopping, would it work if you select payment on delivery at checkout, maybe?
Have you looked into American Express?
oh shit, nevermind.
Clearly Discover is the solution. Oh wait, that's not an option either.
Discover network is up for sale. Capital One is trying to grab it. But if that doesnโt go through, a Canadian or European bank could try bidding for it.
In Italy we use satispay
Bitcoin uses way to much energy to use as currency like that. gridcoin or any other one that uses proof of stake would be better if accepted but its a bit nicer if the energy put into it results in a useful product which gridcoin does.
For any purchase made with a credit or debit cards and you give them 2-3% of your money.
I'm not sure I understand this. The stores would be the ones to pay this fee, no? Not you with your money. The price of some item doesn't change depending on whether you use cash or a debit or credit card. Not usually anyway, maybe a small local shop has done this to me once or twice in my life. Or maybe a fair stand or something.
If we wanted to stop giving Mastercard and Visa "our" money, we would have to all band together as a world community and boycott them. ๐ฌ
Please someone correct me if I'm wrong!
Edit: I mean, yes, of course the price of those small transactions are included in the price of the item. So we are all "paying" Mastercard and Visa money, even those who aren't using them. Which is still to my point that we need to all band together as a world community to boycott them, which seems futile in all honesty.
Wero will become the replacement over time.
But for now, you're stuck with Visa and Mastercard if your country doesn't have a local alternative.
Just get the cheapest option.
Wero can win if the banks offer it with no additional cost to stores and, and this ia crucial, it offers credit and the blocking of funds for stuff like car rentals.
It needs to be as easy a visa/MasterCard and cheaper / easier to run with the same features. I have hope, but that is a tough order.
China has UnionPay, Japan has JCB, Russia has MIR. Europe should have its own credit card network
"EUROCARD"
Sounds nice as well
Make it blue with stars on it and the globe displaying a space picture of earth with europe
@EUCommission@ec.social-network.europa.eu let's make this happen, mkay?
This might not help you OP, but alternative to VISA and Mastercard is UPI. India and some south east asian countries use that for transactions rapidly. Also India also built Rupay (not the currency) to break visa and mastercards duopoly.
Easy: iDEAL (which is a shitty system, but still..)
Doest that only work in NL?
iDEAL has been acquired by WERO which is an EU initiative for pan-European payment system. Wero is being rolled out by banks in France, Germany, Belgium, Netherlands, and Luxemburg.
I'd like to know who got the idea to name the system with a word meaning "tax" in Finnish, one of the official languages of EU... Both are related to money, so there is a possibility for confusion.
(We used to always use w, and had a reform some ~century ago to allow using v instead. Therefore, w is considered another form of v in Finnish, and thereby wero equals vero)
It's supposedly going to become EU-wide: https://nltimes.nl/2023/04/25/dutch-payment-processor-ideal-become-european-standard
Looking forward to that.
What about just old school cash?
Can't order anything online with cash. ๐ฉ
Pay at delivery is a thing in many online stores
I've never heard of that. Can you name one? In Europe?
Most online stores in Poland have cash on delivery as an option. Here's a brand you may know https://pomoc.mediamarkt.pl/app/answers/detail/a_id/20333/~/p%C5%82atno%C5%9B%C4%87-za-pobraniem
The lower limit they have is not common.
I'm not so sure Mediamarkt (now renamed to POWER, here) does cash on delivery where I live. I guess our country has largely moved away from cash payments these days.
Probably, since you've never heard of this mode of delivery, and it's almost always among payment choices here. In current times you can also pay with card to the delivery worker.
Privacy and everything else aside, it's a good option when you buy from a shady / unknown shop, you risk nothing in case they don't fulfil the order.
you risk nothing in case they don't fulfil the order.
Not gonna lie, that does sound pretty darn useful. ๐
A local debit card is your best bet
Those still go through the bank card system.
Use cash.
How do you pay cash online?
And I donโt think the banking system is evil and should be destroyed, I just want the EU to be strong and independant, have tech and finance sovreinty
Online you pay by bank transfer. Instead of "credit card", I choose "online bank", click my bank's name, enter my online banking login and password, give one of the single-use codes and press "transfer". A bank transfer from my account to the bank account number defined by the shop is made, no money goes to USA.
Maestro is part of MasterCard.
TIL Maestro still exists
Maestro isn't a local system it's a limited debit card like electron for visa. Other comments are about national Credit cards. WERO is the only European network pushed by the ECB (and begrudgingly taken up by most major European banks). It piggy backs on the Free-of-charge instant wiring SEPA system.