Personal anecdote, but I've been travelling through Germany this winter and outside of motorway petrol stations and big supermarkets pretty much no one would accept my Visa/MasterCard cards - "EC Karten" only everywhere. We went to a big restaurant which I assumed would be ok because I could see the card terminal at the till, and at the end they told me it's EC Karten only - had to drive around at 11pm to find a working ATM just to withdraw some euro to pay them, while my wife and son waited at the restaurant - absolute nonsense.