In The Netherlands, hardly anybody has a creditcard. I only got one to pay for this very server. Most webshops simply don’t allow you to use creditcards (as nobody owns one…). We’ve got a system called ‘iDeal’ (oh the pun…) that allows you to electronically make a transaction. Upon starting one, you receive an SMS text to confirm it, so it’s bound to your mobile, meaning only the one knowing the password of the account and having physical access to your mobile, can make a transaction. Pretty secure, compared to those creditcards…
Also, it’s rather cheap, as the banks don’t have to deal with such incredible amounts of (creditcard) fraud. Further, a random hacked website doesn’t mean your bankaccount is out in the open, as you need that mobile to make any transaction.