SEPA, Google/Apple Pay, Klarna, a Debit Card from Visa/Master Card, the multiple Paypal-Clones which died one after another...in Germany you have many options. Just depends on the Shop which are actually offered and are working.
- Blik: https://en.wikipedia.org/wiki/Blik (similar to payconiq in Lux, and I assume there are similar systems in the other countries)
- Pay by link: was very popular since forever in Poland. Seems quite safe, and lower fees than CC/paypall (I don't have a good wikipedia link in English, maybe it's called differently in different countries. The payment gateway asks you to log it to the bank—it redirects to the bank webpage, it's not scraping—and bank then asks you to confirm via app/sms and issues an instantaneous transfer). PayU is quite a popular gateway for that https://corporate.payu.com