Abstract: An e-commerce payment solution that enables individuals and low-volume merchants to conduct e-commerce with established electronic payment vehicles, such as credit cards, without resort to permanent payment processing accounts is disclosed. Providing accounts for such small merchants with merchant-hosting entities that in turn are set up and in communication with a payment gateway entity that controls the processing, in concert with the novel payment processing and settlement architecture disclosed, permits many small merchants to effectively conduct online credit or debit transactions on a per transaction basis with little or no set-up costs.

Abstract: A dispenser produces negotiable money orders, traveler's checks, and the like at remote locations and prints the check amount on the check while also printing summary data of a day's activities on a blank check form, eliminating the need for a separate printer and paper supply. The dispenser prints the check amount using print icons that form a part of each character in the check amount, but are not as large as a complete character or as small as a dot print element. The check forms are connected together by perforation ties, and the dispenser feeds the forms to the printer such that the force with which the dispenser holds the forms is greater than the force needed to tear apart the forms, thus reducing the risk of unauthorized pulling of blank forms from the dispenser.