In reply to David Froud.

So, you're a PayPal fanboy; You do understand that eBay's "PreyPal" is not a licensed deposit-taking financial institution and, in the main, operates its "faux banking" business via a "merchant account" with a real (licensed) bank?

Regardless, understand this, now that "MasterPass" and "Visa Checkout" are at hand, PayPal's "best by" date is fast approaching. I'm not a critic of "disruptive innovation"; I certainly am a critic of the clunky "PreyPal".

Anyway, good luck at PayPal or MCX, wherever you are coming from ...