There are no best e-currencies or payment processors. There are only currencies and processors which are the best for your products, services, country or levels of expertise. Set up a free account with as many, as you think you may require in the short and medium term. Comments on this page are presented from a British and European perspective. Expect some bias!

PayPal Is essential. It enables you to add and withdraw funds from any major bank. PayPal sends funds to anybody with an e-mail address in over 100 countries. PayPal transactions can be conducted in many different currencies. You can fund PayPal from your bank or credit card. You can apply for a PayPal credit card which sometimes offers introductory rates of 0% for 6 months. Not to be used on any money game, MLM or matrix programs.

SolidTrustPay. Suitable for merchant services, paid surfs and MLMs. Low fees. Funding and withdrawals by cheque, wire and money orders from US banks only. International members can make very fast additions and withdrawals to LibertyReserve or the VM debit card. Verified members can add funds with credit cards. A personal favourite. Excellent customer service. They have a new STP Visa debit card which is also recommended by London Gold Exchange.

AlertPay allows account funding and withdrawals by cheque, wire and money orders from US banks. International members can add and withdraw by bank wire. Debit card to be introduced in near future. Excellent security but it is the most expensive online payment processor and there are very limited options for Europeans to withdraw their money. The processor is most suitable for North American residents or people with business interests on the North American continent.
North Americans should.

StrictPay. If you are not familiar with US law or banking type law, avoid offshore banks and ones based in third world countries like Panama until you have made some enquiries at your own bank or researched the legality of their terms for transfers and debit cards. Laws differ from country to country. StrictPay is renowned for the highest levels of technical and customer support. The operation is based in Panama but it is becoming accepted by most Europeans. I am testing it with a $10 spend. If I receive a significant amount of funds, I will ask The Royal Bank of Scotland in Leeds for a more informed opinion on the legality of banks in Panama. If you are only using it to transfer funds into money game type programs, matrices and MLMs there is no need to make a big issue over it.

LibertyReserve. Most North Americans are not very happy about this processor and there are good reasons for their concern. The standards of customer service is not up to the standard of processors like StrictPay and Americans are used to top quality customer service. LibertyReserve allows far more HYIP programs to use their services than the other processors, as money game laws are not as strict as they are in America. LibertyReserve does not compensate you for any losses, if the program, in which you have placed your funds turns out to be corrupt. Take even more care with DD, if a program only gives you the option of using LR and you are considering fairly large spends. You can not make payments or withdraw funds directly from your bank to LibertyReserve. You have to use an exchanger. That is no reason to be put off. Every European who has a punt on high risk opportunities should.

P2p Energy. This is not a legitimate payment processor. It was launched by ponzi pimps to promote the Pathway2prosperity scam. This processor was part of Nicholas Smirnow�s crooked empire. Smirnow and his wife are hiding in the Philippines. There are arrest warrants for Nick in the US and Canada. Diane Smirnow is wanted for benefit fraud. There is information about this man�s programs and devious tactics in reputable forums. He stared his �Empire� in 2007. Unbelievable but true. Nick had the temerity to launch a criminal venture on an All4webs page where he got free web hosting from All4hosting servers for that page.

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Gold is the most widely used precious metal currency. Minute amounts of gold bullion, are accepted as security for transactions to and from payment processors. You can fund your processor accounts directly from your bank with a registered gold exchanger. I suggest Europeans use all or any of the following.