It would be much better if the payer could just use his credit card and email instead of having to sign up, people would be more inclined to use. The payee coul

It would be much better if the payer could just use his credit card and email instead of having to sign up, people would be more inclined to use. The payee could send it to anybody (because they don't have to worry about if the payer has an account), and the payer because they don't have to sign up.