Hello, traditional payment methods, including cash, bank transfers, checks, plastic cards, were invented long before the advent of e-commerce. Therefore, it is not surprising that they do not fully meet her needs. Of course, when buying an ordinary "physical" product, money can be taken from the buyer upon delivery. But if a "digital" product or information is purchased, there must be a way to pay for the purchase directly "on the spot", that is, on the seller's website. That is why it is extremely urgent in e-commerce to develop a universal payment method for processing credit cards and purchases on the Internet, which would allow making cheap and secure payments in real time.