Comment by preg_match

Putting your card in, say, Apple Pay is equivalent. How do you think Apple Pay works? It’s tap-to-pay, equivalent to your credit card. That’s why you can use Apple Pay wherever you use tap-to-pay on your card. That’s why Apple Pay doesn’t work at Walmart and merchants need to do no work to support Apple Pay.

In the US you really have no options. It’s card, or card, or maybe even card. There’s Zelle, which is irreversible. PayPal and friends, which charge a fee, so no. And crypto, which is used for drugs.