Germany: Credit card most of the time, using Apple Pay.

Some places only take girocard (formally EC), a special system in Germany that is cheaper for the vendor and more common, though some modern banks like N26 don’t give out girocards anymore which is why I have another bank account just for this. Super annoying.

Sometimes cash is still the only option, which is why I always carry 20-30 Euros with me just in case. Examples would be the local farm shop where I buy eggs and veggies, some small restaurants and pubs.