Well, as I have said many a time, I live in Germany which is notorious for its suspicion of technology and where cash is still very much in use. I always have a couple of hundred €€ in my purse.
Most - not all - places will accept cards these days however, although some don't accept credit cards, just debit cards.
Charities don't do street collections.
Ever since I've lived here, (since 1975), the usual way to pay things has always been by bank transfer.
Charities advertise giving their account number. They provide preprinted transfer forms, leaving them on the counters in the bank, or send unsolicited mail giving their details,often including a free pen or calendar or some other knick knack.
In church, everyone has cash on them anyway so there is no problem with the Collect.