Is it not a idea to make more top up methods possible?
Like iDeal and Trustly. Both are used in many countries in Europe and make it possible to top up realtime without the need of a Creditcard which also come with a fee(don’t know if PSD will change this)
iDeal is the standard in NL but Mr Cash and Giropay in Belgium and Germany
There are some older topics about it, but with the European Banking License and the Premium it should be worth to offer this