In reply to Philip Cohen.

Why would any merchant offer to take payments via "PreyPal" mobile? If you look closely you will see that the major merchants currently offering "Pay Here With PayPal" invariably have a connection to Bain & Co; eBay's cretinous Johnny Ho also has a connection to Bain & Co; it would not surprise me, indeed I expect it is so, that eBay paid for the installations and is probably subsidising the transaction fees that these merchants would otherwise be paying "PreyPal" because, frankly, these merchants would be paying less via their credit card merchant account with their own retail banker ...