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eCharge

A Web payments service from eCharge Corporation, Seattle, WA (www.echarge.com). Initially specializing in digital content and monthly ISP charges, eCharge bills customers via a 900 number on their telephone bills. It later added a revolving line of credit just like a credit card and a prepaid account to support micropayments. Funds can be transferred from the customer's bank via the Automated Clearing House (ACH) system. eCharge uses digital certificates on the user's PC, at the merchant site and at eCharge, and all three are verified before a transaction is completed. See Web payments service.



Web payments service

An online service that manages the transfer of funds from a customer to the merchant of an e-commerce website. The money may come from a prepaid account or credit card stored in a digital wallet in the user's device or stored in the service's datacenter.

Credit Cards and PayPal
In the late 1990s, many people were reluctant to pay for merchandise online via their credit cards. In addition, it was believed that information would be widely sold for a few cents (micropayments) per article. As a result, several payment systems emerged to make online payments more reassuring than credit cards. Most of them have faded or evolved into parts of other financial systems. Today, credit cards are widely used online, and PayPal has also endured with its various money transfer methods. See mobile payments service, PayPal, Bitcoin, Brodia, FaceCash, CyberCash, e-cash, eCharge, InternetCash, iPIN, Qpass, Windows Live ID and 1ClickCharge.



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