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> Actually, how do people buy stuff in Germany?

Most of the options I observed are either PayPal, direct debit, Giropay, collect on delivery or credit card.

I absolutely prefer direct debit. Just enter your name and IBAN and you are done. No 3rd party websites, no fuzz.

Direct debit would be great if the UX would be better. There are PSPs that make it easier for merchants (GoCardless), but entering the long IBAN is the crucial point.

It would be great if there was a popular app/feature so you could save your IBAN in your phone/browser and just fill it in with one tap. That would skyrocket adoption and let merchants move away from expensive payment service providers.

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