As another comment here points out. People don't really use credit cards here. Everyone has a debit card which supports contactless payments without a pin up to €20. Which is enough for most use cases.

Even better, in the country where I live, almost all debit cards have a number and a Cv2 code. So you can pay online at any place that accepts credit cards.

Transactions are free and instant. Within a second of paying I can see the transaction in the mobile app of my bank. Hell, it sends notifications for every transaction if you want.