For me, the easiest payment method is usually the one I already use regularly. I tend to avoid switching between several services because it makes keeping track of transactions a bit harder. Cards have been simple enough for everyday purchases, while some people I know prefer digital wallets because they like having payments separated from their main bank account. I also pay attention to processing times, since a method that is convenient for deposits may not be equally convenient for withdrawals. It really seems like personal preference matters most.