The operations of the likes of Amazon Payments, et al, are conducted via a credit card merchant account with a licensed retail bank; likewise eBay's PayPal, and "PreyPal" also operates as an unlicensed, uninsured, deposit holding, faux "bank". Ultimately, only the online wallets by MasterCard ("MasterPass") and Visa ("Visa Checkout") have direct dynamic access to consumers' credit (and debit) accounts in the world's retail banks and offer professional support for such credit transactions—unlike PayPal's atrocious customer support. All the others are intermediaries; hangers-on; parasites; many of them, like "PreyPal", demonstrably clunky ...