&gt; Someone come up with a service where you push money to (so any security breach is limited to the $20 or whatever you keep there)<p>That&#x27;s how I use my Paypal account.  I top it up occasionally by transferring money from my real bank.  Paypal has usually the equivalent of about USD100 and it does NOT have my credit card number.<p>I would be quite happy to use Paypal for micropayments but I haven&#x27;t seen anything yet that works and asks for a small enough amount to qualify as micropayment.