The payment issue here is not just about the payment center or payment processor. The problem is the COD arrangement which is cash on delivery. Many are ordering but not paying when the product is delivered. The business is experiencing losses on delivery.Apart from a lack of awareness, I believe that one of the big challenges facing is commerce is the payment issue. Paypal does not support many countries and this is why many people living in countries with no Paypal are not able to pay clients where it is supported. We need to make payment systems more flexible.