Abstract: A system is described for enabling a user to make Internet purchases utilising a transfer of a pre-determined credit to an on-line account from an existing service provider to that user. In use, a user dials a telephone number from a telephone and authorises a charge onto their utility or service provider bill in consideration for the transfer of credit to their account associated with the Internet payment system. The customer can then go to a participating merchant's website, make their selections of goods and/or services and complete the transaction by clicking on a payment button associated with the system of the present invention and the credit is transferred between accounts. An instantaneous communication is issued to the merchant and to the user to advise that the transaction has been successfully completed. An associated system for age verification to vet access to an Internet website is also described.