If a shop doesn't offer it, I don't use it.
gasp you... you don't use... Netflix or Amazon Prime? haha
I bought Netflix through the iOS App so it's just part of my iTunes subscription.
Indeed, Amazon is directly connected to my debit account (not credit card) and they have a direct debit mandate - an "acceptable risk" since (i) I hope Amazon knows their shit security wise and (ii) my bank (as any European bank) will not accept direct debits unless you have a properly authorized direct debit mandate - you are insured against fraudulent payments.