Limited Credit Exposure for Internet Purchases
1- not everyone has a credit card
2- many people are afraid of 'rip off' activity on the internet.
Solution: Market an internet 'top up' scratch card, exactly like they do for pre pay mobile phones, these can for simplicity be in various denominations to match the intended purchase.
a- the rip off risk is limited to the amount of the voucher
b- people will have full confidence in the transaction
c- no need for high levels of encryption
d- the vendor has security of payment
e- the revenue is up front
f- the software and admin are already created in the mobile phone industry.