Credit Cards - Intrest, Fees, and Bullshit

[.RJ]

This already exists in a myriad of solutions like Amazon Pay. The problem is the billing entities, like retailers and utility companies, haven't adopted a standard.

And some offer paypal or ACH.  You're right, there's no standard. 

But this problem fucking sucks now that EVERYTHING has moved to a subscription payment model and large companies keep getting hacked.