Subscribe to one of our news e-mail lists . Sure, some people feel Visa is everywhere they want to be, and others won't leave home without their American Express card, but more than one-third of the U.S. population don't own credit cards. That lack of plastic has kept those millions of people out of the online shopping frenzy. Enter ECharge, Cybermoola, InternetCash, and other companies, each of them aiming to provide you with an alternative to credit cards to use for your online shopping.
Merchants benefit as well.
Alternative payment options vary depending on how users fund their purchases. Services like Cybermoola and InternetCash fall into this group. Limited acceptance plagues all alternative payment methods. And finding out which stores take your option can be a chore. Most store sites list the forms of payment they accept, but such listings can be deceptive.