Through superior payments software, micropayments companies like Paypal (founded in 1998), Yaga (founded in 2000), Peppercoin (founded in 2001) and BitPass (founded in 2002) are able to offer much lower transaction costs than credit card companies, greatly expanding the number of transactions. A company can now charge people less than a dollar for a service (such as viewing a web page), and get significant returns by high volume.
依靠高级支付软件，像Paypal（1998年创办）、Yaga（2000年创办）、Peppercoin（2001年创办）和BitPass（2002年创办）这样的小额付款公司能够提供比信用卡公司低得多的交易成本，从而大大增加了交易数量。公司现在可以收取不到1美元的服务费用（比如查看网页），并通过大量交易获得巨额利润。