None of the alternate charging solutions I've seen are just swipe a credit card. They all want some way to notify you back when your charge session is nearing

None of the alternate charging solutions I've seen are just swipe a credit card. They all want some way to notify you back when your charge session is nearing completion, or if you get unplugged unexpectedly. They also want the data on your usage individually identified, so they can sell/mine it. They do that with an app, or a fob or whatever, but it's all way more involved than just swiping a card.