I mentioned "in every practical sense" - I'd bet that those that don't have credit cards don't do online purchases either, in the vast majority of cases (>95%). But indeed, that's true in the western world - I might be worng for Africa and Asia/China where mobile-only payments are more prevalent.
France is an example of a western country with < 50% prevalence according to that site. I think you might still be biasing your estimates (the 95%) due to your own experience.
Amazon.com, for example, accepts checking accounts and retail purchased gift cards for US residents.
That just credit cards ([edit] From your own source, roughly 85% French had debit cards[3]). According to statista[1], France has ~50% credit card penetration, but roughly ~100% have debit cards.
Also, digital buyer penetration was <63% in 2017 and is 78% now[2].
