I did a payment card thing back in the 90's with a couple of friends, during the first Internet wave. We actually got some traction and signed a few bank partne

I did a payment card thing back in the 90's with a couple of friends, during the first Internet wave. We actually got some traction and signed a few bank partners, but ultimately it is very hard to be disruptive when you require access to a massive, privately-owned network that is controlled by the same institutions you might be threatening. All you have to do is set eyes on Mastercard's marble palace on the Hudson to know who is calling the shots in that world.