You don't need cards to make payments anymore. At least in the UK you can make direct payments from your bank through a standard e-commerce checkout. Cardless

You don't need cards to make payments anymore. At least in the UK you can make direct payments from your bank through a standard e-commerce checkout. Cardless Subscriptions are also here (disclaimer, that's my role at a large open banking company) although some more legislation needs to be done before they can be used for ecommerce