In Poland there is a bank-to-bank payment system called BLIK. It works incredibly well and avoids the payment processing providers entirely.

https://en.wikipedia.org/wiki/Blik

Basically it works like this: when you go to pay online, open the bank app on your phone, pick “pay by Blik”, copy the temporary 6 digit code, and paste it on to the online store’s website. You then also have to confirm the transaction on your phone.

It takes 5 seconds and is significantly easier than paying with a credit/debit card. It’s a shame this isn’t a thing in the US.