In reply to Jack.

Frankly, the problem of online payments was solved 10 years ago by PayPal; and now there are two professional services, "MasterPass" and "Visa Checkout", both of which will ultimately bury the clunky intermediary "PreyPal" ...

Oh, sorry, you mean while making an online purchase via your phone; have a chat to your retail bank about "MasterPass" or "Visa Checkout" ...

http://www.smh.com.au/business/banking-and-finance/apple-pay-being-repelled-by-big-banks-20150815-gizz6y.html