I asked a similar question for online payment systems for Europe. You may get some insight from the discussions.. http://news.ycombinator.com/item?id=4379697 h

I asked a similar question for online payment systems for Europe. You may get some insight from the discussions.. http://news.ycombinator.com/item?id=4379697 http://news.ycombinator.com/item?id=4379697