I would go in the other direction. The US has 50 competing private services for transferring money and billing and any of them can simply ban you. In Europe sma

I would go in the other direction. The US has 50 competing private services for transferring money and billing and any of them can simply ban you. In Europe small companies (unless you are a webstore) aren't really expected to accept credit cards and often just ask for a wire transfer. All that's needed is a bank account number because interoperability is between banks is legislated. You can usually encode the amount due and account number in a link or QR code too. I realize stripe offers a lot more than just the actual payment but it's messed up that except for cash, exchanging money for services in the US basically requires you to use a private system from day one of your startup.