It’s different in Poland, because we don’t normally use credit or debit cards for online purchases — we use Blik, which is a proprietary inter-bank payment system based on one-time tokens which are only valid for 2 minutes. You don’t give your card information to Amazon or wherever you make a purchase (also compatible with regular contactless card terminals in physical locations) to charge you themselves however much they feel like, but rather provide a one-time code, confirm the transaction on your phone and you’re charged immediately.

EDIT: oh and also it supports contactless payments via NFC on rooted phones so we got a workaround to Google messing with Gpay 8)