Online pay providers show that it is very well possible. There are tons of payment providers which are widely supported. The only difference is that some of the

Online pay providers show that it is very well possible. There are tons of payment providers which are widely supported. The only difference is that some of them have a physical presence while others do not. With a common standard, the available of card-based payment providers would indeed increase. In europe, you often can't pay with Diner's Club or American Express. If they would not all have proprietary systems and were compatible, then their adoption would in-fact increase. Naturally, not every grandmother and their dog should be able to use this standard but there must be a well-respected authority behind it. Taken to the extreme and we couldn't trust anybody we couldn't have root certificates.