Trying to work out whether Australia is workable at the moment, because the rules I find online contradict each other.

The debit card route gives you recourse and the transfer route gives you a lower price. Pick which you actually want.

A card that works domestically can fail on an international merchant for dull, uninteresting, entirely legitimate reasons.

Reading the statute rather than the summary changes the tone of everything you send back.

How long would you wait before starting the process?