It's true Germany uses cash a lot more than other countries, but I wasn't trying to say we don't do card payments. I just said we don't use credit cards, we use debit cards instead which come by default with any standard bank account. However, these cards are neither MasterCard nor Visa and therefore do not work in online payment scenarios.

I have a credit card, but it is paid in full at the end of the month automatically, so for all intents and purposes it's essentially another debit card. Everyone I know in Germany who has a credit card uses it this way. In fact, my bank didn't even ask me if I wanted it set up any differently, so I have to imagine it's not just my social circle handling it this way.