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I guess I'm thinking in my domain, software solutions. Most everything else that I can afford is already out there.

Edit: If there is something I need that is a hindrance (service not existent yet, I'll say) from the outset of my venture, and that hindrance is not part of my solution, I don't go there.

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Not to belabor the point, but what would you use if you could afford it? What do you use that doesn't work well enough or costs too much?

These are the types of questions I'm hoping the intelligent people here might humor me by answering. Perhaps the original question was too simplistic, as I was going for succinctness.

I don't need micro-lending, but many others might. I've had ideas that could use an effective merchant micro-payment system usable by all, charging tiny amounts of money for individual services, but credit services charge fees currently preclude that, AFAIK.

I'll second that. All of the low-cost payment processing solutions are so unprofessional looking. It's terrible having a professional looking site, and then having to send a customer off to Paypal or some other ghetto service.

Bonus points for white label.

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