this post was submitted on 14 Jan 2026
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No. In Sweden, 99% of all payments are cahsless. Most stores don't even take cash anymore.
We still have plenty of (digital) options for payment in addition to Visa/Mastercard.
In my view, it's actually the opposite. The more digital paymenst are used, the higher the incentive to create a competing payment solution. Swish and Klarna are taking over more and more here.
I thought klarna was just a payday loan basically?
It's mostly a middle man to outsource payments. The stire doesn't care if it's on credit or not. You can pay directly with a bank account through Klarna, at least with the major Swedish banks.
Oh, I never looked into it. Just thought it was one of those high interest "loans" and said fuck no.
In Canada we have Interac E-transfer for transferring funds from our standard chequing accounts to private businesses or people we're buying things off of. We also have "virtual credit cards" that are just a CC number with an exp date and CVV that we can use for online purchases and that money comes out of our regular back account without the need for a credit account.
Most people still have and use Credit Cards but we are far less reliant on them here. Most of them time if someone has one it's for the perks that card gives, like cash back on purchases or points for rewards like gift cards, tools, vacations, etc.
So, like, a debit card?
No, as you cannot use your debit card for online credit card interactions.
You can't use a debit card to buy things off Amazon.
You absolutely can, I did so this week.
That's a new one for me. I didn't realize in some countries you can't use a debit card on Amazon. To be clear, I'm not talking about an ATM card, I'm talking about a debit card with a Visa or MasterCard logo.
what why??
Must be a regional thing, because no such restriction exists in the US
Funny that, since I said in my OP, I'm Canadian.
The destruction of cash in the EU is jusy disgusting. I dont want to have to leave a paper trail for everything.
There are digital payment schemes that would be completely anonymous for the vast majority of consumers, like GNU Taler. Support an implementation of it in your country. Cash is dying because of how inconvenient it is, we must build something that has the convenience of digital payments while also preserving privacy, there's no other way.
That would be ideal, but the people in office and their corporate overlords want to know every single breath we take. It will be hard to gain that right and easy to lose it.
Right, there's no permanent solution to this issue while the working class is not in control of the state, because ultimately it's the state which sets the value of fiat currency. If we win the fight to get a Taler-like system recognized as an official one, it would be as difficult to get rid of it as it is to ban cash right now.
Could be an alibi if you ever get in major trouble, lookup the transaction, match to security footage, prove you weren't there.
I don't have to prove I wasn't there. They have to prove I was.
So if someone is lying and says you were? Mistaken identity? Easy fix if you show you weren't where the crime took place.
https://youtu.be/d-7o9xYp7eE
You have a lot of trust in "the system".
I have no trust in the system whatsoever, which is why I wouldn't talk to police. And I have seen that video and easily over a hundred police interrogation videos. It astonishes me how readily people talk to police and say shit that would have landed them in jail even if they were not involved in the crime they were discussing. As an autistic person, the interrogation videos with commentary and breakdowns have helped more with understanding social situations than most of what my parents ever told me.
Edit: interestingly enough, the best example of what to do when interrogated by police on YouTube from an actually guilty guy called Rocky Rambo Wei Nam Kam. When interrogated and asked about the murder, his responses are basically 'I don't want to talk about it' and 'I have nothing to say', when asked about irrelevant questions he was curt and dismissive in much of his answers.
I was thinking that I definitely knew there were some European countries that are more cashless than the US.