In Spain at least I have two small alternatives to this:
- Paypal (I don’t like it too much, but it works fine).
- A prepaid credit card offered through my bank. Good for sites that don’t look too trustworthy but I need to buy from. I just activate it, load it with whatever amount I need, I make the transaction, then disable it again. Even if it gets leaked no one can take any money out.
For everything else I have a virtual credit card number that’s not dynamic, but at least it’s something I use exclusively for online stuff.
A true role model.