That is usually not how credit cards work anymore. Sure, you can try to charge any card but if it is issued by a European bank it will very likely be denied and

That is usually not how credit cards work anymore. Sure, you can try to charge any card but if it is issued by a European bank it will very likely be denied and you will be asked to do a Strong Customer Authentication. Same applies to SEPA direct debit. Here in Sweden most (all?) banks requires the customer to sign digitally before any direct debit mandate is created.