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.
