PayPerNet.COM Internet Payment Solutions
The potential of sales through the Internet is universally understood as very
large. However, payment for purchases made through this medium continue to
require restrictive, non-intuitive and/or relatively immature methods. Moreover,
the methods are perceived as insecure by the user. The payment issues have
effectively created an important barrier that keeps a large body of the overall
population from making Internet-based purchases.
We propose a new, easy to understand universal payment system that bridges
the gap between regular commerce and e-commerce and solves these payment
problems. We refer to this new system as PayPerNet. The basis of the PayPerNet
system is a proprietary, low-cost international network of points of financial
settlement. On top of this system several payment methods will be offered.
PayPerNet settles payments with e-vendors in exchange
for a commission.
PayPerNet offers important and obvious advantages to both customers and
vendors when compared to all other existing and planned e-payment forms,
including payment cards and coupon schemes.
- PayPerNet does not exclude any potential vendors or customers, as there are
no sign-up requirements or fees for neither customer nor vendor
- The payment method and its security are conceptually easy to understand also
by non-technically-savvy users,
- Payment can be anonymous,
- PayPerNet does not exclude potential customers, as e.g. those without
payment card or bank account
- There are no software and no hardware installation requirements for
customers, eliminating cost, complexity and user acceptance issues
- PayPerNet allows clients to pay for their e-purchases using locally
preferred means of payment, including cash, check, PIN and bank wire
- Because of PayPerNet's low-cost structure, the commission charged to the
vendor can be lower than the commission charged by alternative solutions (e.g.
- Optional payment upgrade paths can be offered - if, e.g., customers or
vendors wish to do so they can request pre-approval and can qualify for advanced
forms of payment through PayPerNet
These features create a basis for high customer and vendor acceptance. In our
opinion, this is the single most important requirement for a successful payment
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