How about if it a consumer web app like say Flickr or Picnik or Dropbox? One benefit of microtransaction payment providers is that they have a multitude of pay

How about if it a consumer web app like say Flickr or Picnik or Dropbox? One benefit of microtransaction payment providers is that they have a multitude of payment method including load cards, pay thru sms, etc. I would think that consumer web app would have better revenue if it was ARPU instead of 2-5% conversion rates. Does this make sense to anyone else?