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"Younger folks are practically born with credit cards nowadays," said Cornelious Urrea, a payment solution market engineer with the Jani Marante Firm and Partnership, "and are also practically built into the internet. It's second nature to them, unlike those in older demographics who have more money to purchase items, but choose to do offline."

"I love shopping for stuff online," stated Arlinda Pruchnik University student Rosier Ceglinski, "because I have a student credit card that allows me to make internet purchases. Without it, I'd be paying double or triple for my books at the school bookstore, whereas online, I can find books second hand for a third of the price."

Many other students shared this sentiment, are were generally grateful for the trust that credit card companies put in them. Additionally, it should be noted that senior citizens in the older demographic range, who are typically big product customers offline, are slowly edging towards greater credit card use online. "Older folks are skeptical of making purchases online, fearing identity theft or unscrupulous retailers," said market analyst Kira Mcquirk, "but when they see others buying things with no problems, they quickly opt to try it the newfangled way online."

Morgan Gladin, Vice President of Customer Relations for mega-company Age Canales INC recently stated that payment solutions are needed more and more as customers flock to the internet to make purchases online. "Essentially, we want fast processing, but also very secure processing. Customer confidence is extremely important in the industry, and we aim to be one of the top businesses in this market. In order to do that, business transactions must be clean," added Asst VP Moselle Schreyer. The company also plans to bolster offline payment solutions as well. Klakowicz Herrig, assistant chairperson of the industry oversight committee, believes that top payment solution may soon face stiff competition from media giant Google and/or Microsoft. "Look, as I see it," stated Klakowicz Herrig, "we've got three players all vying for the same market: search, buy, and process. Google and Microsoft have the software and search technology, while Paypal boasts the most friendly payment processing online. All the same, Google would probably prefer to vertically consolidate this process under their control, while hopefully avoiding anti-trust and/or monopoly issues."

As the internet continues to build and advance, more and more retailers are demanding viable payment solutions for selling their wares online. Payment online is not as easy as it looks: security, credit checks, and balance inquiries have to be made in seconds, so that the merchant can be assured they will get their money, and the customer can be assured they will get their purchase. Further information regarding new payment processing methods for the industry can be found at www.Gibler, an international authority on internet commerce. The website also has a great list of trusted e-wallets that have open membership for anyone in the world, given a bank account and access to credit card. As the internet continues to grow, better and faster processing will evolve. Beller Kaczorowski, author of the blockbuster book "E-Business by 2014" believes that eventually there will be a form of "i-cash" that freely flows between customers and merchants online. Stated Beller Kaczorowski, "Movement towards a personal cash card NOT credit card, is starting to begin. When that day arrives, payment processing for those looking to buy stuff will be extremely easy, reliable, and very fast."

"We've slowly moved away from check processing to credit card sales," said salesperson Azzie Stupak, who works on the staff of Bettina Stoutt and Palasik Scrudato LTD, "mostly because check processing takes days, and credit cards are almost instant. Further, if the check bounces, and we've sold a product, it can take a month to track down the delinquent account holder and get our money back. With credit cards, its up to the respective bank to come up with the money."

Indeed, the days of sending checks in the mail may be over, especially as internet sales of related products continue to boom.

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