You will need to use a "specialist debit/credit card with perks" that has zero fee (or near-zero fees) for foreign transactions, not an ordinary debit/credit card. If you use an ordinary credit card, you might get charged multiple times by various parties profiting from you.I could indeed use a credit card to pay for AirBnb's, I just have never done it, so maybe just a habit I have. Other problems with using a US credit card is overseas transactions and currency conversion fees. I have also found Wise provides typically better exchange rates than most banks. The Plaid system seems to be used in many places in Australia so one would assume it's a vetted system and Australia tends to be sticklers on vetting IMO (6 years working in Australia). It's an added layer of security for purchases but for whom.
I'm not a fan of PayPal and still routinely get spam about my PayPal "account" when no account exists.
I do not know which US debit/credit cards have this perk but I remember one member of this forum using this type of US debit/credit card in Indonesia. I have read multiple stories of tourists using these types of cards in Indonesia. I do know that one type (not all, so be careful) of "Capital One" credit card is offering this perk. I fully believe that there are a few US credit cards out there that offer this perk.
These types of debit/credit cards are not common, as typically the banks issuing the cards will make very little or even experience a small loss offering this perk.