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this post was submitted on 28 Jul 2025
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Discover, American Express, Diner’s Club, and the one that still rules them all, Cash. There are probably others, but Visa and Mastercard are the two largest.
Diners club hasn't been available to normal people and small businesses for years now. It's basically a large business company card only thing nowadays.
How do I transfer my cash to online stores?
You can in Japan apparently. They have a system where you can go to convenience store and pay by scanning a code
You can also sorta use zelle, but the technical integration is not great. It's a very manual process as it is
Ultimately, the problem is we let two companies dominate commerce itself. We just need to let the governmet do payment processing, and require compatibility
Japan also accepts bank transfer for online payments. So you don't even need to leave your house.
Interac if you're Canadian, and if the store accepts e-transfers. https://en.wikipedia.org/wiki/Interac
How hard can you throw?
Amex gift cards. Cashapp uses Block(Square) for their payment processing, which is easier to use because you can transfer funds to that from your bank.
There are a lot of places going cashless these days. Heck some of my kids friend went to target and couldn't buy anything because target didn't have the staff to run anything but the self checkout, which at this place didn't accept cash. They had to leave empty-handed.
Visa and MasterCard really are the only two you see in Europe
Discover and Diners Club merged a few years ago btw. Discover also has an alliance with JCB.
So Discover network is actually really, really big.