> SEPA is free and easy to use. Really? Then why do merchants use card terminals at all then? You want to give a homeless person money on the street, how does

> SEPA is free and easy to use. Really? Then why do merchants use card terminals at all then? You want to give a homeless person money on the street, how does the SEPA payment flow look like? > still need a bank account, still need to apply for a physical card Free but time consuming. Typically needs to be done in person and requires waiting in line. > still need to pay high transaction fees Fees are closer to 1% or more for credit cards. > no way to list who is authorized to charge your card It's a problem if you forget who has your credit card info and it's often a hassle to "unsubscribe" yourself. Sometimes, the only way is to call your card's customer service. > Nope, there a bunch of startups such as SumUp with very affordable terminals. "A standard fee of 1.69% per transaction applies for all our card readers." I feel like you just haven't used WeChat/Alipay enough to realize how better it is from a UX point of view. It's really obvious to anyone who has used both systems extensively.