[patmcc]

I don't people are scared to buy online, for the most part. They'll give their cc to amazon.com, or target.com, or walmart.com, or whoever. They're scared to give their cc to a new and untrusted merchant online, and with good reason. This is why paypal has the success they do - I don't have to trust you anymore, I can trust them.

Guess what? There are online merchants that store credit card information in plain text, have no access control, and any employee could walk off with them. You have to convince customers you aren't one of the ones who does that.