[free652]

Well you found one, and I can tell you about time when in EU that a place took a hard print of my card in the last 5 years! Didn't even know that card imprinters still exists.

Zelle is not just person to person, it's just a transfer. You can pay businesses, people and even transfer to yourself. Zero fees.

Europe is a big continent and I can easily find a place that is way more backwards ;)

Also 2 letters from EMV stands for 2 American companies :).