Not exactly, but sometimes. Speaking as a Brit living in Austria, I generally see three payment options available with a lot of online retail: - normal credit/

Not exactly, but sometimes. Speaking as a Brit living in Austria, I generally see three payment options available with a lot of online retail: - normal credit/debit card, which can go through all sorts of different "middlemen", US or European based depending on the site - "immediate" bank transfer, which is still integrated into the payment flow and provides confirmation straight away, and is usually handled by the Swedish/German middleman Sofort/Klarna - suprisingly still very common, at least here in Austria, is the "send me an invoice" option, even for physical goods that are being shipped, then the customer makes a manual bank transfer after the goods have been received