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Web marketing services programs need transaction speed in order to survive?  As an online marketer, you are selling either a product or service.  When a shopper takes a look at your opportunity or product, they may get so interested that they end up thinking, “Yes, I think I will join/purchase this.”  They then get to the checkout page where they are to pay and see that they must either write out a check and send it in the mail, or call the marketer to do a payment by phone. By this time, the prospect is thinking, “This isn’t worth it.  I will move on to another website where I can pay automatically.”