iStockphoto points, it's stricly a one-way street where the photographers get an automatic payment based on the number of credits worth of stuff that got sold

iStockphoto points, it's stricly a one-way street where the photographers get an automatic payment based on the number of credits worth of stuff that got sold That's what RubyPay describes here: https://www.rubypay.com/pages/points https://www.rubypay.com/pages/points. If I sell 7500 points worth of whatever, I get $50. The only difference between the two is that RubyPay lets you prepay for an arbitrary service, not just stock photography. They're not going to go and re-use their credits to buy other stuff. On iStockPhoto, you can use the credits you earn to buy other items. RubyPay doesn't make it clear whether points you earn can be used to buy other services or whether they have to be redeemed for a check. iStockPhoto looks more like a wallet system than RubyPay actually.