Isn't revolut more popular in EU?
Revolut is growing rapidly, so I assume there are plenty of bubbles where revolut is more widespread than credit cards. But the near-universal scheme in the EU would be sepa direct debit. And while the lack of instant confirmation is a drawback for online purchases, that shouldn't matter for something like GitHub Sponsors.
1: https://www.theglobaleconomy.com/rankings/people_with_credit...