Bank transfers are still a thing, aren't they? And payment processors built around those? I can't recall when was the last time I paid on-line using my card.

On that note, the whole reliance on cards for on-line feels like a stupid hack that got way out of control. A card is just a physical access token for the account - it shouldn't be reused on-line like this. You should be able to generate per-payment tokens on demand instead. The whole mental model around online payments is bonkers - it's just taking the meatspace model and adding "but with computers!" to it, where it's the meatspace practices that are a kludge that digital doesn't need.