150个国家的4000家商户出售“信用“给用户，然后用户们即可在网上消费这些“信用“：发信息给朋友，玩游戏或者送虚拟的礼物给朋友。
Some 4, 000 merchants in 150 countries sell “credits” to users, who then can spend them online: sending messages to friends, playing games, or sending virtual gifts.
如何有效识别互联网上的信誉欺诈商户是当前的研究热点。
It is currently a hot research topic on how to detect reputation fraud merchants.
自从首次推出以来，它已扩大到包括非营利性的捐赠，以及为商户和小型网上商店的支付处理。
Since its initial launch it has expanded to include non-profit donations as well as payment processing for merchants and small online stores.
贝里隆德称：在欧洲，电子商务商户需要向客户提供银行账户支付业务，否则遇到喜欢用卡办理网上支付业务的客户，就可能会丢掉生意。
In Europe, e-commerce merchants need to offer bank account payments to their customers, or risk losing sales to customers who prefer not to pay online with CARDS, Berglund said.
贝里隆德称：在欧洲，电子商务商户需要向客户提供银行账户支付业务，否则遇到喜欢用卡办理网上支付业务的客户，就可能会丢掉生意。
In Europe, e-commerce merchants need to offer bank account payments to their customers, or risk losing sales to customers who prefer not to pay online with CARDS, Berglund said.
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