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	<title>Comments on: Can These Startups Beat Paypal?</title>
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		<title>By: Audrey Burne</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148115</link>
		<dc:creator><![CDATA[Audrey Burne]]></dc:creator>
		<pubDate>Wed, 21 Oct 2009 07:00:07 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148115</guid>
		<description><![CDATA[Here&#039;s a simple method. Take it nice and easy. If things peaks too soon, your emotions may never have time to get caught up to the relationship. Let it happen at the right pace.]]></description>
		<content:encoded><![CDATA[<p>Here&#8217;s a simple method. Take it nice and easy. If things peaks too soon, your emotions may never have time to get caught up to the relationship. Let it happen at the right pace.</p>
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		<title>By: The last barriers to mainstream mobile web (Small Business E-commerce Link Digest &#8211; September 26, 2008)</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148114</link>
		<dc:creator><![CDATA[The last barriers to mainstream mobile web (Small Business E-commerce Link Digest &#8211; September 26, 2008)]]></dc:creator>
		<pubDate>Sat, 26 Sep 2009 13:16:04 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148114</guid>
		<description><![CDATA[[...] data access, music and other services. And some truly useful services are on the way. Things like mobile payment services from Billing Revolution, Zong, and Opobay. Never heard of them? That&#8217;s OK. Visa and Chase are testing mobile payment, too. Maybe [...]]]></description>
		<content:encoded><![CDATA[<p>[...] data access, music and other services. And some truly useful services are on the way. Things like mobile payment services from Billing Revolution, Zong, and Opobay. Never heard of them? That&#8217;s OK. Visa and Chase are testing mobile payment, too. Maybe [...]</p>
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	<item>
		<title>By: CAS</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148113</link>
		<dc:creator><![CDATA[CAS]]></dc:creator>
		<pubDate>Sat, 19 Sep 2009 03:07:07 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148113</guid>
		<description><![CDATA[Funny, I see these comments, especially those who say &quot;PayPal will be passed up and I have a company who can do it,&quot; and think to myself...sure buddy.  If you only knew what goes into payments.  CC regs, ACH regs, Govt reg bodies, law enforcement bodies, customer disputes, chargebacks, pfishing, fraud, money laundering, OFAC, SAR&#039;s, culture, etc etc etc.  I see people saying &quot;I have an extra $10 million in 2nd round funding&quot; and I think...what do you think you&#039;re going to do with only $10 mill?  Naivity will be your downfall.  It&#039;s a task more complicated than you can possibly imagine.]]></description>
		<content:encoded><![CDATA[<p>Funny, I see these comments, especially those who say &#8220;PayPal will be passed up and I have a company who can do it,&#8221; and think to myself&#8230;sure buddy.  If you only knew what goes into payments.  CC regs, ACH regs, Govt reg bodies, law enforcement bodies, customer disputes, chargebacks, pfishing, fraud, money laundering, OFAC, SAR&#8217;s, culture, etc etc etc.  I see people saying &#8220;I have an extra $10 million in 2nd round funding&#8221; and I think&#8230;what do you think you&#8217;re going to do with only $10 mill?  Naivity will be your downfall.  It&#8217;s a task more complicated than you can possibly imagine.</p>
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		<title>By: Richard Vanderhurst</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148112</link>
		<dc:creator><![CDATA[Richard Vanderhurst]]></dc:creator>
		<pubDate>Tue, 07 Apr 2009 16:33:21 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148112</guid>
		<description><![CDATA[I think xoom is a good online payment company too.]]></description>
		<content:encoded><![CDATA[<p>I think xoom is a good online payment company too.</p>
]]></content:encoded>
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		<title>By: Anne</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148111</link>
		<dc:creator><![CDATA[Anne]]></dc:creator>
		<pubDate>Fri, 10 Oct 2008 00:22:25 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148111</guid>
		<description><![CDATA[Can anyone advice me on a differant online payment company other then Paypal. I live in Ireland

A.]]></description>
		<content:encoded><![CDATA[<p>Can anyone advice me on a differant online payment company other then Paypal. I live in Ireland</p>
<p>A.</p>
]]></content:encoded>
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		<title>By: Online Dating Insider Links for 10-1-08 &#124; MeetingDirectory - Find Love Online</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148110</link>
		<dc:creator><![CDATA[Online Dating Insider Links for 10-1-08 &#124; MeetingDirectory - Find Love Online]]></dc:creator>
		<pubDate>Thu, 09 Oct 2008 08:23:55 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148110</guid>
		<description><![CDATA[[...] Spam Blocked 66 spam comments blocked byAkismet       Online Dating Insider Links for 10-1-08 October 1st, 2008 7:10 am     var dc_AdLinkColor = &#039;#006400&#039; ; var dc_UnitID = 14 ; var dc_PublisherID = 59531 ; var dc_adprod = &#039;ADL&#039; ;    New Online Dating Payment Services [...]]]></description>
		<content:encoded><![CDATA[<p>[...] Spam Blocked 66 spam comments blocked byAkismet       Online Dating Insider Links for 10-1-08 October 1st, 2008 7:10 am     var dc_AdLinkColor = &#8216;#006400&#8242; ; var dc_UnitID = 14 ; var dc_PublisherID = 59531 ; var dc_adprod = &#8216;ADL&#8217; ;    New Online Dating Payment Services [...]</p>
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		<title>By: Online Dating Insider Links for 10-1-08&#160;&#124;&#160;Ajulie.com</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148109</link>
		<dc:creator><![CDATA[Online Dating Insider Links for 10-1-08&#160;&#124;&#160;Ajulie.com]]></dc:creator>
		<pubDate>Wed, 08 Oct 2008 15:18:12 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148109</guid>
		<description><![CDATA[[...] N&#173;&#173;ew On&#173;&#173;lin&#173;&#173;e D&#173;atin&#173;&#173;g Paymen&#173;&#173;t S&#173;e... [...]]]></description>
		<content:encoded><![CDATA[<p>[...] N&#173;&#173;ew On&#173;&#173;lin&#173;&#173;e D&#173;atin&#173;&#173;g Paymen&#173;&#173;t S&#173;e&#8230; [...]</p>
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		<title>By: Will Amazon Ditch Bill Me Later After eBay Takes Over? - GigaOM</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148108</link>
		<dc:creator><![CDATA[Will Amazon Ditch Bill Me Later After eBay Takes Over? - GigaOM]]></dc:creator>
		<pubDate>Tue, 07 Oct 2008 05:15:42 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148108</guid>
		<description><![CDATA[[...] Bill Me Later caters to those who are shy about using their credit cards online but don&#8217;t want to deal with the hassle of PayPal by offering them credit after they enter their information. While that may seem downright foolish [...]]]></description>
		<content:encoded><![CDATA[<p>[...] Bill Me Later caters to those who are shy about using their credit cards online but don&#8217;t want to deal with the hassle of PayPal by offering them credit after they enter their information. While that may seem downright foolish [...]</p>
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		<title>By: James</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148107</link>
		<dc:creator><![CDATA[James]]></dc:creator>
		<pubDate>Mon, 06 Oct 2008 07:50:35 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148107</guid>
		<description><![CDATA[I would say that Payoneer.com will be the next big thing on Internet transactions. It doesnt discrimanate against countries (though they should introduce checks against money laundering), and the transaction  fees are ridiculously low...

Very attractive for those outside the US

Bohoooo Western U]]></description>
		<content:encoded><![CDATA[<p>I would say that Payoneer.com will be the next big thing on Internet transactions. It doesnt discrimanate against countries (though they should introduce checks against money laundering), and the transaction  fees are ridiculously low&#8230;</p>
<p>Very attractive for those outside the US</p>
<p>Bohoooo Western U</p>
]]></content:encoded>
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		<title>By: The rhythm of love</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148106</link>
		<dc:creator><![CDATA[The rhythm of love]]></dc:creator>
		<pubDate>Thu, 02 Oct 2008 00:19:40 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148106</guid>
		<description><![CDATA[[...] New Online Dating Payment Services [...]]]></description>
		<content:encoded><![CDATA[<p>[...] New Online Dating Payment Services [...]</p>
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		<title>By: Los medios de pago en linea todavia necesitan trabajo &#124; Medios de Pago &#124; ebanking.cl</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148105</link>
		<dc:creator><![CDATA[Los medios de pago en linea todavia necesitan trabajo &#124; Medios de Pago &#124; ebanking.cl]]></dc:creator>
		<pubDate>Wed, 01 Oct 2008 16:00:35 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148105</guid>
		<description><![CDATA[[...] Los medios de pago en linea todavia necesitan trabajo  Oct.01, 2008, en Medios de Pago   Publicado por Juan Pablo Traverso (jtraverso) , (Leida 1 veces)  A pesar de que existen grandes jugadores (Tarjetas de Crédito, PayPal) en el mercado de los medios de pago en línea, todavía existe espacio para nuevos enfoques para los pagos por la web, sobre todo en lo que se refiere a pagos electrónicos.  (basado en un artículo de gigaom.com) [...]]]></description>
		<content:encoded><![CDATA[<p>[...] Los medios de pago en linea todavia necesitan trabajo  Oct.01, 2008, en Medios de Pago   Publicado por Juan Pablo Traverso (jtraverso) , (Leida 1 veces)  A pesar de que existen grandes jugadores (Tarjetas de Crédito, PayPal) en el mercado de los medios de pago en línea, todavía existe espacio para nuevos enfoques para los pagos por la web, sobre todo en lo que se refiere a pagos electrónicos.  (basado en un artículo de gigaom.com) [...]</p>
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		<title>By: ecommlabs &#187; Blog Archive &#187; Is PayPal facing competition?</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148104</link>
		<dc:creator><![CDATA[ecommlabs &#187; Blog Archive &#187; Is PayPal facing competition?]]></dc:creator>
		<pubDate>Wed, 01 Oct 2008 04:45:59 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148104</guid>
		<description><![CDATA[[...] http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/   Posted in Uncategorized on September 30, 2008 [...]]]></description>
		<content:encoded><![CDATA[<p>[...] <a href="http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/" rel="nofollow">http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/</a>   Posted in Uncategorized on September 30, 2008 [...]</p>
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		<title>By: Matt O'Donnell</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148103</link>
		<dc:creator><![CDATA[Matt O'Donnell]]></dc:creator>
		<pubDate>Tue, 30 Sep 2008 12:43:56 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148103</guid>
		<description><![CDATA[The online payments market is still in it&#039;s infancy.  The scale and success of PayPal is only a very small part of the overall market demand for payment solutions.  I work with many banking groups and specific help banks re-claim the eCommerce transaction space for low value payments, and I have to say that there are many innovators in the market all challenging the conventional wisdom and business process, and in my opinion, many will not only beat eWallet models like Paypal, but others will pass them by and own much of the market.   The head of a regional asian bank told me that in his view regulation was all that has kept banks in existence.  Now they are challenged to deliver, and will find ways.  So there will be successors, and many of them.]]></description>
		<content:encoded><![CDATA[<p>The online payments market is still in it&#8217;s infancy.  The scale and success of PayPal is only a very small part of the overall market demand for payment solutions.  I work with many banking groups and specific help banks re-claim the eCommerce transaction space for low value payments, and I have to say that there are many innovators in the market all challenging the conventional wisdom and business process, and in my opinion, many will not only beat eWallet models like Paypal, but others will pass them by and own much of the market.   The head of a regional asian bank told me that in his view regulation was all that has kept banks in existence.  Now they are challenged to deliver, and will find ways.  So there will be successors, and many of them.</p>
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		<title>By: Michael</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148102</link>
		<dc:creator><![CDATA[Michael]]></dc:creator>
		<pubDate>Mon, 29 Sep 2008 23:08:25 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148102</guid>
		<description><![CDATA[I had a look at the Cards Off site but it is in French and I can&#039;t find a translator tool on their site!!  Looks interesting but who knows@!@!!]]></description>
		<content:encoded><![CDATA[<p>I had a look at the Cards Off site but it is in French and I can&#8217;t find a translator tool on their site!!  Looks interesting but who knows@!@!!</p>
]]></content:encoded>
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		<title>By: jean</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148101</link>
		<dc:creator><![CDATA[jean]]></dc:creator>
		<pubDate>Mon, 29 Sep 2008 22:01:16 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148101</guid>
		<description><![CDATA[have a look at CARDS OFF, a french public company (NYSE EURONEXT ML OFF).
CARDS OFF as developped a very safe solution to secure the transactions on the web, from the order to the delivery of goods, including the payment.
You never put your personal datas on the web: no use of credit cards, no need to give your name, e-mail, adress etc...
They garantee the payment as soon as the delivery has been done, and of course, if not, the custumer gets his money back.
No commission paid by the website.
The business model is very interesting and enables the websites to increase their profits.
CARDS OFF was selected as a demopit company at TECHCRUNCH50 this year.
www.cardsoff.com
Have a look quickly!!]]></description>
		<content:encoded><![CDATA[<p>have a look at CARDS OFF, a french public company (NYSE EURONEXT ML OFF).<br />
CARDS OFF as developped a very safe solution to secure the transactions on the web, from the order to the delivery of goods, including the payment.<br />
You never put your personal datas on the web: no use of credit cards, no need to give your name, e-mail, adress etc&#8230;<br />
They garantee the payment as soon as the delivery has been done, and of course, if not, the custumer gets his money back.<br />
No commission paid by the website.<br />
The business model is very interesting and enables the websites to increase their profits.<br />
CARDS OFF was selected as a demopit company at TECHCRUNCH50 this year.<br />
<a href="http://www.cardsoff.com" rel="nofollow">http://www.cardsoff.com</a><br />
Have a look quickly!!</p>
]]></content:encoded>
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		<title>By: Mike Bradley</title>
		<link>http://gigaom.com/2008/09/26/moving-money-online-still-needs-work/#comment-148100</link>
		<dc:creator><![CDATA[Mike Bradley]]></dc:creator>
		<pubDate>Mon, 29 Sep 2008 20:17:33 +0000</pubDate>
		<guid isPermaLink="false">http://gigaom.com/?p=22312#comment-148100</guid>
		<description><![CDATA[Clearly there are wanting alternatives to PayPal and Visa/MC/Amex cards (see the aforementioned reference to BillMeLater in this thread as proof positive). Though I&#039;m not that familiar with eBillMe&#039;s business model, any payment option which enables SOME consumers to NOT have to use their credit cards will have some attraction. That being said, it needs to have all the usual checks ticked off; convenient, easy to use, secure, and non intrusive.

And by the way, merchants are ALWAYS willing to consider payment types which are cheaper than the processing fees they currently pay on credit cards. Just  don&#039;t expect adoption overnight.]]></description>
		<content:encoded><![CDATA[<p>Clearly there are wanting alternatives to PayPal and Visa/MC/Amex cards (see the aforementioned reference to BillMeLater in this thread as proof positive). Though I&#8217;m not that familiar with eBillMe&#8217;s business model, any payment option which enables SOME consumers to NOT have to use their credit cards will have some attraction. That being said, it needs to have all the usual checks ticked off; convenient, easy to use, secure, and non intrusive.</p>
<p>And by the way, merchants are ALWAYS willing to consider payment types which are cheaper than the processing fees they currently pay on credit cards. Just  don&#8217;t expect adoption overnight.</p>
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