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?
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?
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 flew by my radar, thanks for the hint. Three of my banks even support it already, awesome!
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.
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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.
A local debit card is your best bet
Maestro is part of MasterCard.
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.
TIL Maestro still exists
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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.
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In Canada we have Interac. Works great.
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.
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If you're in the Nordics I suggest Vipps/Mobilepay/Swish as payment methods.
You still have to add a credit/debit card to it though.
Not sure about Vipps/Mobilepay, but for Swish I don't think you do. It's connected directly to the bank account IIRC.
That's nice. For MobilePay, you connect your bank account to receive money, but to send you need a card. You can also send using a bank account, but a card needs to be connected regardless (stupid design).
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.
While the shop pays the fee, the fee is priced in and still the money ends up going to the card company based on your purchase.
We had this topic a lot with the tariffs recently. Yes technically the tariffs are paid by the importer or exporter. Doesn't change the fact that they end up being part of the consumer price (which is one of the purposes of tariffs)
Yes you're correct.
However, those costs are ultimately passed to you, as higher prices are the only 'trickle' that consumers will receive.
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You are absolutely correct
Now I just prefer my (or the store's money if you prefer) to recycle in the EU. We need it.
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