It's also increasingly common to pay without the credit card companies getting involved at all and have the payment completely free. At checkout you're just presented with a QR code which you scan from within your bank's phone app and which populates all of the payment details. Then you just tap pay and because the bank to bank payment is instant the checkout page will update within a few seconds and you're done. The downside is that this kind of payment is not insured and you cannot do charge backs (so smallish amounts only).