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Right - that's an argument to use a centralized payment service (which Apple Pay, Google Pay, Paypal, etc. (probably) fulfill). I (might have mis-)read that part of your post as being about micro-payment systems not being necessary.

I'm not sure whether or not Google & Apple pay are "micro-" enough, though. Do they charge per-transaction fees that are significant enough that 5 cent transactions are infeasible? What's the transaction time like? Can you set up 1-click payments?




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