The iDEAL system is very good also. It works like this: 1. You click checkout 2. You are sent to your bank's website 3. You login 4. You get a screen that s

The iDEAL system is very good also. It works like this: 1. You click checkout 2. You are sent to your bank's website 3. You login 4. You get a screen that shows the amount you have to pay, you verify this 5. You get an SMS with a code that you have to enter 6. Purchase completed The nice thing about this is that it's very quick and the seller doesn't get your credit card number; steps 2-6 happen on your bank's website. And there is no intermediary: it's just the seller's bank and your bank. There is nothing to set up, you just have to have a bank that supports it (almost all banks in the netherlands do) The nice thing for sellers is that chargebacks are not possible. This is a much saner way to do online payments.