I’m US based and always use credit cards online (and pay them off every month of course) for the strong consumer protections they offer vs debit: $0 fraud liability, extended warranties, and rewards points/travel miles.

I’m curious about your experience here: have you ever encountered a scenario where you wanted to use your debit card, but the merchant only accepted credit cards?

Oh sure, debit vs credit is largely a non-distinction here since debit cards are generally on the same network: Visa or less commonly MasterCard. So unless there are other business-related reasons to deny debit cards (currency conversion or cross-border regulations maybe?), they should be handled by the same processor as a credit card and usually for a much lower transaction fee too!

PayPal is mostly a CC middleman at this point, with some banking features purely so they can profit off the float of positive account balances.

PSA: don’t keep any money in a PayPal account. They can and do “freeze” accounts and unless you have a buddy who works there good luck ever seeing it again.

I never said that, just disputing the claim that credit cards are “not usual in the civilized world”. CC is absolute the norm for mass-market b2c services, and to claim otherwise is pure ignorance

I never said that, just disputing the claim that credit cards are “not usual in the civilized world”. CC is absolute the norm for mass-market b2c services, and to claim otherwise is pure ignorance.

I’m sorry, are you expecting to be able to mail them cash or something? And please don’t say crypto…