OneCard, for instance, takes 7-10% from retailers and also charges customers for topping up with pre-paid cards.

ECONOMIST: Online payments

When a competitor comes in and offers customers the same information for free, the company that charges its customers must come up with a new business model fast or explain how their paid service is worth the price compared to the free service.

FORBES: Better Bargains With Foreclosures and Pre-Foreclosures