Payment systems and e-Commerce become more important

Media companies and publishers are discovering ever more commercial potential through the Internet and prepare themselves for the future. Companies must not only invest in technology, but also adapt the payment processes according to the customer’s requirements. Payment systems for processing small amounts, the so-called micropayments are especially within the focus of the media companies. With micropayments it becomes possible to purchase individual editorial contributions, test reports, digital music, etc. over the Internet.

In addition to the payment methods based on debit, invoice and credit card, the Noxum Web technology supports the following payments solutions:

	ClickandBuy is a market-leading e-Commerce solution for payments in the Internet. In recent years ClickandBuy has achieved a high level of market and payment acceptance. The user needs a ClickandBuy account to conduct transactions. The amounts are transferred monthly from a private account or credit card. Payments methods are debit, credit cards and bank transfer.

	T-Pay is an e-payment system of the Deutsche Telekom AG payment can be made with direct debit, credit card and with the phone statement. The registration is free, after which the user can immediately pay.

	WEB.Cent is a payment system of the free mail provider web.de for its customers. The customers must load their WEB.Cent account by direct debit or bank transfer prior to shopping. WEB.Cent is not only a payment system; it is also a bonus program. Cooperation with well-known mail-order businesses makes WEB.Cent attractive to customers.

	Wirecard is a prepaid payment solution for the Internet. Wirecard uses the worldwide MasterCard network. After a free registration the user receives a virtual MasterCard. The customer can pay with Wirecard everywhere where MasterCard is accepted.

	Infin-MicroPayment is a prepaid payment system, in which a customer pays via phone and text message. After choosing a product on a website, the user is shown a phone number to contact. The user then receives a TAN (transaction number) to download the selected product.

	PayPal is an online payment solution and a subsidiary of the internet auction platform eBay. To open a PayPal account, the costumer must register his credit card and account data to PayPal. A transaction is completed by redirecting the purchaser to the PayPal website where the payment can be approved after logging in successfully. The money is then immediately transferred.

	DIRECTebanking.com is a payment solution with a TÜV-certificate with TÜV-certified transaction security. The buyer can select DIRECTebanking.com as the payment type if the costumer has an online banking account with PIN/TAN-procedures. Registration is not required. The transaction will be confirmed directly and the supplier can dispatch the item instantly.

	giropay is an online payment system based on online banking transfers, which was developed from the German credit economy. If the customer decides for this online payment procedure, the customer will be redirected over a secure connection to the customer's online bank account. The transaction will be con-firmed directly and the supplier can dispatch the item immediately.