I think this is a very solid solution to the problem of credit card fees eating 
up almost half of any microtransaction; in fact, iStockPhoto does something 
very similar themselves. In their case, it's credits that only apply towards 
one thing, photos, but there's no reason it couldn't be used for a wider 
variety of products!

> Possible solution: We implement a (nonrefundable) points system. It's 
> a lot more flexible than the gift certificate system.
...
> So: good idea, bad idea, unrealistic? 
> 
> --foxfirefey 
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