I remember building my first EC site in Japan. The payment processor gave us an API to use that included all the fancy options of paying at a convience store, COD, Bank Transfer and credit cards. It seemed really weird at first, but then I noticed how nice it was for people who did not have credit cards.

It was always fun to know that the payment notification handler on the server would get hit when someone goes to 7-11 and pays their bill.

I forget the percentage, but most orders were not using credit cards.