In .NL the most payment cards issued use either vpay or maestro, meaning they can't be used for online payments. They also have no buyer protection when used in bricks and mortar stores.
To get round the fact they don't work online, there is a payment system called iDeal, which is basically a wrapper for a simple bank transfer.
A family member of a friend the other day placed an order for something on a website, paid the €50 with iDeal, and then slowly over the course of a few days, realised that they had been scammed. They called the police, who recorded it as a crime. They then contacted their bank and told them, expecting the bank to sort it out. The bank then told them in no certain terms "Not our problem, goodbye".
The same family had been telling me that maestro/vpay/iDeal is much better than using a creditcard, or even a UK style debit card which works online. Hard not to say I told you so...
That said, I placed an order for some Hydroponics nutrient recently, paid with paypal. Then got notified it was out of stock, and got a credit invoice. I phoned them asking about the refund. They said they would, then I haven't heard from them. I have opened a dispute with paypal. I am now waiting to see what paypal say about it. If paypal don't, then it also went to my credit card, so I'll talk to the bank then.
J