There is a EU-wide payment option.

Wero - Digital payment wallet

Experience fast and secure digital payments with Wero’s wallet, enabling you to send and receive money between bank accounts in under 10 seconds.

(wero-wallet.eu)

You can't control what we jack off to, Mastercard.

It's not EU wide.

molloch is the personnified logic of someone doing something selfish for their personnal gain, but when everyone does it, everybody loses.
In this case the belief that one can churn rewards and come out on top with using a credit card
but the result is that ALL prices are jacked by 3%, nullifying any apparent rewards, at best you can claw back a little bit of this corporate tax.
But here's the kicker, if you don't have a credit card, the price is also jacked, because credit card company do not allow passing the fee to end customer. So non-credit card user, still pay the 3% tax, it just gets pocketed by the vendor.
I cannot overstate how evil credit card company are.
When I am Earth dictator, all credit card employees will spend time getting acquainted with a brick wall

Megacorp be megacorping.

We should always fight giants like this.

And think to not feed them indirectly.

(Not to mention that such basic infrastructure should never be for-profit.)

Best answer.

We are currently enjoying living through the period that most dystopian cyberpunk fiction just kinda glosses over, the antedystopian period where the transition to full blown megacorporatacracy and neu fascism.

I don’t think they care what you jack off to, bud. That’s a weird way to frame it.

The banking sector is very competitive in the UK compared to pretty much any other country, so dodgy behaviour from banks/payment processors wasn't very frequent.

More recently, however, just like the EU, the UK is working on their own system right now. The EU doesn't have a unified payment processing system either, just a patchwork of different ones.

molloch is the personnified logic of someone doing something selfish for their personnal gain, but when everyone does it, everybody loses

uh huh. but why? why express it in biblical fluffery, when it's faster (and clearer) to just say the greedy selfish bastards?

When I am Earth dictator, all credit card employees will spend time getting acquainted with a brick wall

if it means the greedies get shot before me I can accept this.

Everyone is selfish, molloch isn't real,
it's a thinking pattern that everyone is subject to
my friends admitted to using credit cards because
"at least they get rewards"
by personifying the behaviour pattern
you can demonize it
without calling your friends "greedy selfish bastards"
It is much easier to see it and understanding
that way than if you're being attacked
and then become defensive about it