There's a ton of other payment methods that don't go through CC processors. Wire transfers, ACH, digital checks, payment apps (which are an abstraction over th

There's a ton of other payment methods that don't go through CC processors. Wire transfers, ACH, digital checks, payment apps (which are an abstraction over these), or direct payment platforms (like Paypal). Game retailers could get together to form their own payment company, let's call it GamerPay, which deducts purchases directly from a bank account, just like most other bills we pay. They could probably get a lot of non-gaming related companies on board if they offered lower fees and/or more transparency. People seem to forget that banks have been transferring funds between accounts for much longer than credit cards have been around. The infrastructure exists for bypassing credit cards, they just aren't what the majority use.