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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(2 replies)
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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(6 replies)
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.
How does production of physical cash and movement of money between accounts compare to crypto?
creation of physical cash's cost are not inflated and get changed based on cost and necessity. Using cheaper materials to reduce cost but adding advanced elements which increase cost. Again though it does not have an artificial inflation mechanic causing it to use more energy over time and is just based on method and materials. A big thing in this is how long it functions. coins cost more than paper mostly but one thing people don't take into account is how long they last versus paper. So you typically see things about a penny costing more than a penny but whats not taken into account is that it is least lasting coin at 25 years while most paper under 50s last less than 10 years but longer lasting denominations are usually used less. It comes down to how much value physical money gets in its lifetime vs its cost to make. So you add up every transaction and average out the value for a particular currency type. Movement is done in the real world so its a bit apples to oranges. It does not require anything necessarily. If all computers and electricity. So its going to vary greatly if I give my brother a fiver for grabbing his oj than if I go deposit it at a bank to if I buy from a retalier to if I foolishly mailed it directly. I don't think physical money can be compared to much of any electronic equivalents honestly. That is in the realm of folks that believe in cashless system to ones who want some ability to have the physical ability.
In Italy we use satispay
Isnโt PagoBANCOMAT a good solution too?
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).
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