What is micropayment and macropayment?

ClickandBuy is a quick, secure and simple solution to process micropayments and macropayments in the Internet. Our users worldwide are making micropayments and macropayments using our system. ClickandBuy is the Internet micropayment and macropayment system that Stiftung Warentest, Nero, Euroflorist, SPIEGEL Online and RTL have successfully implemented.

A micropayment is an online transaction of a small denominations e.g. $2, £3.50, or €4, and can be used for digital content purchase such as music, news or consumer reports. A micropayment can also be used to charge for digital services such as P2P applications and access to website member areas.

A macropayment is an online transaction of higher denominations e.g. €10. Macropayments play a key role in the billing of tangible goods but are also commonly used for digital content and services e.g. subscriptions, software, games and more.

A micropayment system is an online payment systems which supports charging relatively small amounts for online content or services. Here the speed and cost of processing payments are critical factors in assessing a schemes usability. Fast user response is essential if the user is to be encouraged to make a large number of purchases. Processing and storage requirements placed on micropayment providers and vendors must be economic for low value transactions.

A macropayment system is an online payment system specialized on the processing of higher amounts. Apart from speed and costs a high degree of protection is essential such as scoring and creditworthiness checks, risk management and fraud protection.

• The Case for Micropayments by Jacob Nielsen
• Misunderstanding Micropayments by Scott McCloud
• Micropayment definition from Wikipedia
• Micropayment overview by W3C
• Common Markup for micropayment per-fee-links
• Micropayment – Requirements and Solutions by Jari Kytöjoki and Vesa Kärpijoki