PayNearMe is focusing on the large market of an estimated 25% of Americans who do not have a credit or debit card to transfer money.

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Unlike credit cards or debit cards, which transfer a customer's credit information to a retailer, this transfers the retailer's account information to the customer.

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Since Skrill has country-speicfic payment options from bank transfer to debit cards to mobile payments and pre-paid cards, users are much more likely to buy virtual goods when they see a local payment option they know.

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She came up with the idea of giving those people debit cards and having Intuit accept the tax refunds in its accounts and transfer the funds to the debit card.

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In most wealthy countries, even cash-obsessed Germany, such transactions are done by bank-to-bank transfer, direct debit or, at a minimum, by cheque.

ECONOMIST: Direct debit

The structure of the charges can vary depending on payment method (by direct debit, pre-payment meter, or credit transfer such as cheque), on whether it is an internet-only tariff, which part of the country the customer lives in, if the deal involves a fixed price, when the deal was launched, how long it lasts, and so on.

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