In Poland there’s really nice pay-by-link (you’re being redirected to your bank website, log-in, they display the merchants data and amount and you confirm it)

In Poland there’s really nice pay-by-link (you’re being redirected to your bank website, log-in, they display the merchants data and amount and you confirm it) and basically all the merchants support it. There’s also BLIK, which is a payment app started by a few banks which is gaining traction. This all is super convenient and easy to use. However, I still prefer to use a credit card, because of the chargeback — the legal protections with credit cards are still higher. —- Edit: about “you’re paying the fees” — maybe, but most of the merchants don’t show different price or don’t charge extra for credit card payment. So why not use the IMHO better option if it costs me the same.