Collective Shout, a small but vocal lobby group, has long called for a mandatory internet filter that would prevent access to adult content for everyone in Australia. Its director, Melinda Tankard Reist, was recently appointed to the stakeholder advisory board for the government’s age assurance technology trial before the under-16s social media ban comes into effect in Australia in December.
In Italy, there’s a debit card circuit called PagoBancomat.
Italy also has a digital-only payment system called Satispay. Denmark and Finland have MobilePay (which is way better than Satispay). Sweden has Swish.
Your country may have something similar, look it up. And then you can always pay with PayPal by connecting your bank account directly, with no cards involved (at least in Europe).