Blik in Poland is another example. Every single domestic bank supports it. Marketplaces like OLX (Polish ebay) will sometimes offer a moneyback guarantee for a small percentage of the transaction amount. You can use the same system to pay at the grocery store or the local doner kebab place. We’ve been using cash for far longer than credit cards.

And in the EU if you’re buying new physical goods online the merchant is required to give you a week or two to return it for free.