I live in Poland. I do (contactless) card payments every day, I rarely even have cash in my wallet. But I don't have a credit card and most of my peers / family doesn't have one either. Our debit cards will usually not work for on-line payments (the type that requires card number + cvv).
We do, however, have a widely adopted system called Blik[1], which is instant mobile payments (incl. POS payments, the terminals are adopted to process it, and many ATMs support cash withdrawals via Blik). I think it would be hard for any payments processor to get significant market share here without support for this, for many it's the default, then I think wire tranfer is the 2nd option, shopping elsewhere the third one, card payment maaaybe the 4th choice.