“Is there something I could get that’s widely accepted?”

Probably not if you’re in a country that didn’t skip over cards.

In China, for example, there’s one protocol, the QR at the prodce stand or the hotel tell you where to send or receive money from, you check the details, enter the password, the transfer executes.

So if you move to country that’s moved past cards, then ecommerce is running on mobile digital wallets or bank accounts(older digital wallets) directly that you can join.