You're misunderstanding how credit cards and ecash work.
As e-commerce developed, the only payment method was credit card use. This is a defect: Whenever you want to buy something, customers must complete the credit card information, billing address and delivery address. And this makes it easy for hackers to steal user information.
This is not true. When using credit cards you only need to apply for the credit, provide billing address, and other personal information ONCE. Once you are approved for the credit card the plastic card serves as your form of payment, provided you have credit available.
You only need to provide this information when making a purchase from a website because they website can't swipe your card.
However, e-cash has never become a reality. Instead, entrepreneurs and businesses create a range of alternatives. The most famous is PayPal, an application that accesses your bank account or credit card and conducts transactions or deposits. Apple and Amazon also offer simpler payment options with just one click. Still, customers still need to fill out credit card information when they want to shop online.
What do you mean by "e-cash". All of the payment methods you mention do not require physical paper money, they all serve as electronic forms of payment and the underlying currency is based on the country you are operating in.
