I think there's one point the author missed, and that's payment method standardization. In the US, you put a credit card form on your website and you're done.

I think there's one point the author missed, and that's payment method standardization. In the US, you put a credit card form on your website and you're done. That's how people pay online, period. In the EU, this is not the case. You have countries like Germany, where many people use EC, not Visa or Mastercard. You have countries like Poland, where (debit) card adoption and usage is very high, but online card usage is almost nonexistent. Except for the young and tech-savvy, there's a weird phobia here when it comes to anything that can take money from your account without your explicit consent. That complicates subscription payments for one, most major streaming services had to give in and allow bundling with cable and satellite TV plans (Netflix), phone plans (Spotify and Tidal) or payments by SMS (Storytel). There was a Storytel blog post once where they discovered that 90% of Polish people that cancelled at the "payment" step of the subscription flow did so because "credit card" was the only method available. And that's just two countries, I'm pretty sure the other 26 have their own nuances I'm not aware of.