If you don't pay with a card then what would you pay with?

Probably gift cards like Play Store ones. In fact as it is all Google I think it already could be a thing

Yeah I guess playstore and apple giftcards work

Something that doesn't get Google to ban accounts? Blocking a payment to Google or doing a charge-back is involved in nearly all account closure complaints on this site.

Btw: as someone who's worked in banks, I'd like to point out that there are circumstances where some banks will charge-back automatically (or outright "accept the payment", then not pay), if they suspect fraud for example.

Local payment solutions like iDEAL, Bancontact, Prezelewy24, PayU, AliPay, Klarna or something like PayPal. Or through your mobile phone bill.

Credit-cards are not that common here in Euro-land.

> Credit-cards are not that common here in Euro-land.

But debit cards are, which also work, it's not just credit cards.

In Europe there are a few options which let you pay with your bank account without a credit card. I tried to look up all the things Wise supports, found part of the list:

Trustly, Sofort, IDEAL

IDEAL is huge in the Netherlands for example.

I subscribe with a Debit Card. Works perfectly fine.