What ANYPAY do: 

Based on the convenience of email-payments, ANYPAY make it easy for you to collect bank, credit card and other payment transaction details from your customers.
From this data, ANYPAY generate simple .txt batch files that you can download and forward to an EFT processor (credit card payments are forwarded automatically over the web).

No more need for you to develop own systems like a generator for automated email bills, a database for bank/card details or "Enter your card number here..." forms - ANYPAY provide the entire infrastructure.
Our Services: 

• EFT direct debits / credits. Automate all your banking transactions: No more checkwriting or receiving, no more manual wires or transfers. Create and process ACH, BACS, DTA and other format files online.
• Email billing. Automate your billing for great administration and cost savings.
• Mass payments: The ideal solution for your payout needs. Perfect for payroll, affiliate commission payments or refunds.
• Web Payments: Our "BUY button" solution. Use it with or even without your own webshop.
• Credit card acceptance: Accept credit cards with an existing or new merchant account. No technical integration required. 
• New !!! Direct Email Payments: The only solution worldwide that lets you process email payments directly with your own bank account with ANYPAY as a frontend !
-Visit ANYPAY now !- Sign up now for free - it's easier to explore than to explain ;-).

ANYPAY solutions are useful for most any business, especially if you:

• · send out bills by email 
• · write lots of checks 
• · intend to use EFT direct debits / credits 
• · already use an ACH or BACS service 
• · want to get started fast 
• · already have a merchant account 
• · already use Verisign PayFlow Pro 
• · have many customers in the US, UK, Germany, Switzerland... 
• · have or intend to open bank accounts overseas 

Typical companies that can really benefit from ANYPAY include:

• · online auctions 
• · merchants with affiliate programs 
• · small merchants or auction sellers 
• · shopping malls 
• · internet lotteries 
• · any other type of online business 

Our services are: 

• · set up quick 
• · instantly available for manual processing 
• · easy to integrate for automated processing 
• · easy to use for you and your customers 
• · reasonably priced, with no setup or monthly fees 

Please note: The P2P (payments between private customers) range of the services described below are currently only available for testing purposes. Read whySend Money by emailWith AnyPay, you can transfer money fast and easy, to anyone with an email address. No more troublesome checkwriting, complicated wire transfers or expensive money orders.How it works :· Select the SEND MONEY service in your AnyPay account.· Enter the amount and the recipient's email address.· We send out an email, telling the receiver that he can pick up the money at www.anypay.com .Typical uses :· Pay the seller of an auction· Send money to a foreign store· Email cash as a birthday present· Pay back money you owe a friend 

Request money by email
AnyPay offers an elegant way to bill anyone with an email address. No more confusion about the correct amount, address or other details, no more 'forgetting' to pay. Receivers of your money requests just pay by agreeing to given details.
How it works :
· Select the REQUEST MONEY service in your AnyPay account.
· Enter the amount and the recipient's email address.
· We send out an email, kindly asking the receiver to pay you at anypay.com. 
Typical uses :
· Receive money as an auction seller
· Collect payments for a car pool
· Organize shares for a birthday present
· Remind a friend of money he owes you

What is AnyPay?
AnyPay makes your payment life easier: You can send, request and receive money to and from anyone with an email address. 
(ANYPAY for business users )
· AnyPay is fast
Our transactions clear in microseconds. No more waiting for checks in the mail or other payments on the way. Payments simply arrive instantly!
· AnyPay is convenient
No more check writing or wire transfers. Pay online bills with a single mouseclick. You can make transactions 24 hours a day, right from any internet PC in the world.
· AnyPay is international
You can pay anyone on the web, without high transaction costs. We support all countries, and are working hard to add more and more languages and currencies to our site.
· AnyPay is free
Opening an account and most of our services are free to consumers. Only some special extra services will cost you a small transaction fee, saving you cash money compared to other payment methods. Businesses are being served at competitive rates.
· AnyPay is secure
Our industry-leading encryption technology has never been broken! Imagine what could go wrong when sending cash or checks.
· AnyPay is private
Your bank account or credit card numbers always remain secret to others. It is naturally safer to leave your payment details only with AnyPay than with a new seller each and every time you make a purchase.
· AnyPay is professional
Companies and Merchants can benefit from AnyPay's unique business services.
· AnyPay is not a bank account
AnyPay can do many things that your bank account, online or offline, usually can't do.
· AnyPay is for you
Once you've tried it, you don't wanna miss it anymore. Soon, you will be asking all your friends when they will stop using old fashioned payment methods and start paying the online way.

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Shopping online: TIPS
Online shopping - few tips you should follow

Among the many things the Internet has helped to revolutionize, none is greater than that of shopping using a credit card. Shopping online can be a convenient, easy way to get product information, shop for the best prices, and make purchases with your card almost anywhere, anytime -- day or night. But before you buy anything online using your credit card, there are a few tips you should follow to help get the most from your online shopping experience and to protect yourself. Ordering online can be one of the safest ways to use your credit
card if you follow few tips ! 

Shop with merchants you know and trust.
Deal with good merchants to ensure you're doing business with a reputable company. Visit their Web sites and read their guarantees, warranties and return policies. Don't hesitate to contact the Better Business Bureau Online (http://www.bbbonline.org) and other consumer agencies for information about specific merchants. Merchants on that site are recommended by an affiliate central and they do business only with reputable company. 

Read delivery/return policies and privacy statements.
Before completing an online transaction, be sure to read the delivery and return policies on the merchant's home page. Check if you can return a purchase and whether you'll get a refund or credit. Also take a look at privacy statements to see how your personal information will be used. The most reliable online merchants will always make this information easily available. 

Take advantage of the benefits of Internet research when making purchases.
The power of the Internet allows you to search the world for everyday items and rare treasures. Shopping online can help you narrow choices and locate items that are out of stock at your local stores. Also, access to product reviews and other online information can enhance your knowledge and help you make a more informed buying decision. For example, on some music merchant sites, you can listen to songs online before buying a CD. 

Save on shipping and handling and other costs.
When calculating the final cost of a purchase, don't forget shipping and handling charges. And if you're doing business with a merchant located in another state or country, taxes and international costs may apply. Before you buy, check the merchant site for a description of what charges will apply to your purchase - you may be able to save money by purchasing multiple items at once, or by identifying lower costs on a particular Web site. 

Look for signs of security.
There are several ways to tell if a merchant site is secure. Symbols like an unbroken lock or key, a URL that begins https://, and the words Secure Sockets Layer (SSL) mean that no one but you and the merchant can view your payment information. Some merchants also ask you to create a personal account that requires a password to enter an order. This is a secure method as long as you always keep your password private, create passwords that are hard to figure out (avoiding numbers like your birth date, phone number, or social security number) and change your passwords often. 

Never send your payment information via e-mail.
Information that travels over the Internet as regular electronic mail is not fully protected from being read by outside parties. All reputable merchant sites use encryption methods that will protect your private data from being read by others as you make an online transaction. If you choose to use your payment card online, make sure that you are using a secure browser, and always look for the merchant's privacy policy and an explanation of how your personal information will be protected. Many reliable merchant sites will also allow you to pay by phone, fax or mail. 

Never provide your card number as proof of your age.
At times, some merchants have requested you provide them your credit card number as a proof of age. Never provide any of this information, as the card number does not validate an age. 

Pay with your credit or stored-value card.
Using your stored-value card or credit card is the safest way to pay online. And you're protected in exactly the same way you are when you use your card at the store, order from a catalog by mail or call in an order over the phone. Some credit card companies, like Visa, have a zero liability policy. This means that if someone steals your card number while you're shopping, online or off, you're protected-you pay nothing for fraudulent activity. 

Keep a record of your transaction.
Just as you save your receipts when shopping at the mall, you'll want to keep a record of your Internet purchases. Back up your transactions by saving and/or printing the online confirmation of your order. These records are just like the receipts you keep when shopping in the physical world. 

Use common sense, take your time, and have fun.
Shopping on the Internet offers many advantages, from the convenience of shopping from home to the ability to find hard-to-locate collectibles. As you explore the world of electronic commerce, don't underestimate your common sense. Take your time, have fun, and know that while good bargains exist on the Internet, some offers may be too good to be true. There are many good products available over the Internet from respected merchants, so if you're uncertain about a particular site, there are always other places to shop online.

By following these simple guidelines, your online shopping experience is sure to be much more enjoyable and less stressful. And who knows, those days of driving to the mall or running to the store may become a thing of the past.