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It costs you nothing but a few hours (heck, you may even make money on the points) to get a Discover card, which you can use on Japanese game sites that don't apply the Visa/Mastercard censorship (they have a partnership with JCB). It's a small move, but most people can't even be bothered to do that much for competition.

I think he's referring to the SEPA network, which isn't really an alternative to credit cards. I've only seen it used to pay for rent and bills. Theoretically there's SEPA Instant payments, but I've never seen any merchants that use it.

Hope you like carrying cash.