The WWF (Panda.org) was not satisfied with the Internet Payment Service Provider they were using for online payment processing on their global website. Although their Payment Service Provider was well-known in the Web community, there were a number of areas that were unsatisfactory to the WWF. These included:

• The processing fees were too high;
• There was a lack of customization/private labelling capability in the payment interface.
• The limited range of international currencies, which could be processed.

TemplateMonster is one of the best known pure e-commerce B2B companies, worldwide. Since its inception as an e-commerce entity TemplateMonster had always had two major problems related to credit card processing. The first problem related to brand recognition. The second problem related to hacking and fraud. Various hackers and other individuals in the Internet underground targeted TemplateMonster, making purchases using fraudulent credit cards.

One day ChronoPay was contacted by WebMoney. WebMoney, often referred to as ?the Russian PayPal?, is the lifeblood of e-commerce in Russia. Credit card payments are not very popular in Russian e-commerce, with most people preferring to pay via WebMoney. WebMoney wanted to add credit card acceptance to its existing system.

MobileMoney has a partnerships with Microsoft MSN for whom the made an arrangement for micro-payments with SMS and IVR. Because of the lack of availability of these payment methods in many other countries, as well as the need by MSN users to pay via credit card and to comply with the Global Sales Strategy of MSN, MobileMoney reached out in an effort to find a solid partner, capable of delivering a micro-payment solution for MSN.