iDEAL sounds a lot like Bancontact/Payconic in Belgium.
Which doesn’t do everything Paypal does either. Others have mentioned the buyer protection, but there’s also multiple payment methods you can link to it, subscription management, and one-click payments (where it also enters your address for shipping) - and crucially: available worldwide.
I’m curious - if you want to listen high quality audio, why not get an actual audio player for that? Surely the DAC in some random android phone can’t be that good?
Also, the 1TB version is really only meant so they are actually somewhat usable for recording proRes or taking pictures in RAW