The difference between debit cards and credit cards is not so big and not really relevant. You can do almost everything (domestically) with a debit card that yo

The difference between debit cards and credit cards is not so big and not really relevant. You can do almost everything (domestically) with a debit card that you can do with a credit card in other countries. There are tens or hundreds of thousands of business receiving money already. Wire transfers are ubiquitous, can also be initiated by the vendor after some checking, and have no fees. There are also payment processors who help you as a business. Using cards for small payments, just like large bills, is a bit socially frowned upon, but usually no problem anymore. Compared to the US system, i have almoat nothing to complain about the German system. I sometimes do wonder though why you can't just send money to a telefone number like in China. Like in most countries, banks move slowly here.