Wero will become the replacement over time.

But for now, you're stuck with Visa and Mastercard if your country doesn't have a local alternative.

Just get the cheapest option.

China has UnionPay, Japan has JCB, Russia has MIR. Europe should have its own credit card network

Have you looked into American Express?

oh shit, nevermind.

A local debit card is your best bet

And the idea would be to have something even my grandma can use, not some nerdy solution, any thoughts?

Use cash

In Canada we have Interac. Works great.

Bitcoin uses way to much energy to use as currency like that. gridcoin or any other one that uses proof of stake would be better if accepted but its a bit nicer if the energy put into it results in a useful product which gridcoin does.

This might not help you OP, but alternative to VISA and Mastercard is UPI. India and some south east asian countries use that for transactions rapidly. Also India also built Rupay (not the currency) to break visa and mastercards duopoly.

In Italy we use satispay

In Poland we have a local system called Blik, based on codes similar to the 2FA ones. There's also promising projects like GNU Taler, but I don't thinks that's even starting to be used already.

If you're in the Nordics I suggest Vipps/Mobilepay/Swish as payment methods.

Easy: iDEAL (which is a shitty system, but still..)

For any purchase made with a credit or debit cards and you give them 2-3% of your money.

I'm not sure I understand this. The stores would be the ones to pay this fee, no? Not you with your money. The price of some item doesn't change depending on whether you use cash or a debit or credit card. Not usually anyway, maybe a small local shop has done this to me once or twice in my life. Or maybe a fair stand or something.

If we wanted to stop giving Mastercard and Visa "our" money, we would have to all band together as a world community and boycott them. 😬

Please someone correct me if I'm wrong!

Edit: I mean, yes, of course the price of those small transactions are included in the price of the item. So we are all "paying" Mastercard and Visa money, even those who aren't using them. Which is still to my point that we need to all band together as a world community to boycott them, which seems futile in all honesty.

Use the Carte Bancaire network in France,we have that at least.

I'd like to know if something works for all of EU. Because that's the only reason for me to have Visa.
Everything in my own country can be handled with "Dankort" our national universally accepted debit card. We also have local Mobile pay which is also pretty universal here.

But those don't work for purchases outside Denmark.

Contact the ECB and demand a digital Euro

What about just old school cash?

Here in Portugal we have MB Way which is handled on a separate network. I understand that it might interoperate with Bancomat (Italy) and Bizum (Spain) also just since November, but I haven't tried yet. Almost everybody in Portugal (except non-integrating expats) seem to use it, though there are spots here and there that refuse for reasons that are unclear to me.

Just use cash.

I get that it can be a hassle to carry around, but it's the only "real" alternative if you want to keep third party companies from profiling you based on your spending habits and selling that personal info to advertisers.