It has lower fees than PayPal. For micropayments, you don't really need risk management. In addition to offering a lower cost option for micropayments, it enabl

It has lower fees than PayPal. For micropayments, you don't really need risk management. In addition to offering a lower cost option for micropayments, it enables transactions in countries not well integrated into the global economy where PayPal can't operate (e.g. Ukraine). You're right about the forex cost.