Great article Misha! My question in regards to these online payment systems comes from another perspective. If I have paid accounts on my website, without purchasing any products, which one do you recommend? Considering that it will be a website with worldwide users. Which one is more secure for my users and myself as well? You said Alipay allows payments via Visa or Mastercard, but still, is more trusted in China than other countries. I've also read about Dwolla being a secure online payment system, but I didn't fully understand how it works....I'm also interested in how much they charge/ transaction. Of course there is also a tax to be paid for implementing the system. I'm struggling with this at the moment because I really can't make up my mind and choose the one that best suits my needs. Maybe you or other readers could help me with some ideas...:)