> Not US-based Most of the European and Asian countries (apart from China) are far more advanced with payment cards. Many not only have their own networks with

> Not US-based Most of the European and Asian countries (apart from China) are far more advanced with payment cards. Many not only have their own networks with 0-1% commission, compared to 2-4% on Master/Visa/Amex, but also have long required 2FA for online payments. They might be less tech savvy users, in that they will be taken as a surprise if a car rental company posted a temporary authorization or if someone charged your new card after you renewed it (Stripe can do it), but SMS/email 2FA is quite frictionless nowadays. US was in fact one of the last countries to commonly issue EMV (chip) cards.