When I started this topic I could not know I started a discussion here. But okay, I contacted my bank asking about credit cards and debit cards. Both are not possible in my situation and are also not very custom to use here (I live in the Netherlands). To get a credit card you need a decent salary. Not that I have a bad salary, but what they called a decent salary is not what I have. I am just a teacher. So no credit card for me. The 'debit-card' does not exist here. We have a payment card but you can not pay online with that. For online-payments we have IDeal. As the name suggests it is the ideal payment-method: It is an instant bank-to-bank moneytransfer, no third party involved. Therefore it is secure and it does comply with our privacy-laws (no sensitive information is being shared with the merchant). We can use iDeal with a QR-code which is displayed at a website, using a smartphone with two-factor-authentication. ( https://en.wikipedia.org/wiki/IDEAL ) - Paypall is strongly discouraged in the Netherlands because their privacy-policy does not fully comply with our privacy-laws. - Prepaid-creditcards (sold at petrol stations and tobbaco-stores) are only sold for 50 or 100 euro's. And there seems some problems with the account-registration with this, so called, 'giftcards' so it is not 100% reliable. The only solution left is the old-fashion way: bank to bank transfer. The merchant receives the money within three workingdays. (I don't know if that is correct English, 'workingdays'? I mean the weekend-days does not count). Summarized: No Credit Card, no debit-card, no Paypall. This is not iDeal.