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this post was submitted on 28 Jul 2025
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Discover, American Express, Diner’s Club, and the one that still rules them all, Cash. There are probably others, but Visa and Mastercard are the two largest.
Diners Club is Discover, and they got bought up by Capital One a couple months ago. So you'll only really have Amex left.
What's wrong with Capital One? I feel like Discover/Capital One / Diner's Club network is a good thing for Discover customers.
What benefits would Discover customers get from Capital One's acquisition? Discover acceptance in the US has been almost on-par with Visa/MC for many many years.
Remember that Discover is self-banked (unlike Visa/Mastercard that banks sign up with). This means that every credit line needs to be backed by... well ... A bank.
Bigger banks mean more credit opportunities, better interest rates (etc. etc). Deeper credit lines.
Amex is expensive as fuck for shop owners. I'd boycott them too.
How do I transfer my cash to online stores?
You can in Japan apparently. They have a system where you can go to convenience store and pay by scanning a code
You can also sorta use zelle, but the technical integration is not great. It's a very manual process as it is
Ultimately, the problem is we let two companies dominate commerce itself. We just need to let the governmet do payment processing, and require compatibility
Japan also accepts bank transfer for online payments. So you don't even need to leave your house.
Interac if you're Canadian, and if the store accepts e-transfers. https://en.wikipedia.org/wiki/Interac
How hard can you throw?
Amex gift cards. Cashapp uses Block(Square) for their payment processing, which is easier to use because you can transfer funds to that from your bank.
Visa and MasterCard really are the only two you see in Europe
There are a lot of places going cashless these days. Heck some of my kids friend went to target and couldn't buy anything because target didn't have the staff to run anything but the self checkout, which at this place didn't accept cash. They had to leave empty-handed.
Discover and Diners Club merged a few years ago btw. Discover also has an alliance with JCB.
So Discover network is actually really, really big.