

With SEPA transfer your choice of “card” is totally irrelevant. This has been a thing for decades (at least half a century, even before SEPA existed) to transfer money from one account to another. It’s easy and straightened. Nowadays it’s even quick.
I never understood why people felt a need for PayPal when you could just as easily send someone money. And if you wanted something with more customer protection there’s “Bankeinzug” for which I don’t even know if an English word exists. You basically give a company permission to pull the money from your account. In case of fraudulent activity you can retroactively revoke that permission.
Obligatory reminder that defensive lawyers are an important part of the judiciary system to ensure that there is no doubt in a person’s guilt.