This document discusses online payment options for merchants to accept payments from customers. It describes PayPal, a major online payment platform founded in 1998 that allows customers to pay with bank accounts or credit cards. It processes payments for ecommerce sites like eBay and Amazon. The document also describes iPay88, a Malaysian online payment gateway incorporated in 2000 that supports credit/debit cards and bank transfers in multiple currencies. It offers services like recurring payments and an installment payment plan for credit cards. Contact information is provided to learn more about iPay88's fees and services.