You would create a payment system over IP: a client app for consumers to pay, a client app for merchants to be paid and a server to handle the handshake. What'

You would create a payment system over IP: a client app for consumers to pay, a client app for merchants to be paid and a server to handle the handshake. What's more disruptive that completely sidestepping the entrenched players who hold the keys to the POS kingdom? (read: banks, credit companies and enterprise CRM)