Originally Posted by why
Because most people don't have or use credit cards in Europe and electronic payments at merchants are usually done via debit using bank cards. Since the banking system is different, US accounts need to be processed via manual wire transfer. A lot of places take credit cards, but I imagine hotels/restaurants often don't for fraud reasons
. If someone uses a fraudulent credit card it can be impossible for the merchant to collect what they're owed from the overseas bank.
hmmm, this seems pretty unlikely to me.
Don't most hotels just charge you upon first arrival and then sort out the difference when you leave?
That's how it's always worked for me, and I imagine that that sorts out most of the fraud or enough for it not to be a massive deal.