Web Payments

Open Payment Standards for the Web

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Web Payments

What I do


  • W3C Standards Chair dealing with
    • Web Payments, Linked Data
    • Identity, Security

  • Founder/CEO of Digital Bazaar

  • Championing these technologies: Web Commerce API, Secure Messaging, HTTP Signatures, PaySwarm, Crowdfunding, JSON-LD, RDFa, and Bitcoin.


Web Payments

The Problem


  • Problem: Sending and receiving money over the Web is proprietary, slow, insecure, and hostile to innovation.

  • Content monetization requires a non-trivial up-front investment in time and money.

  • The Standard (1970s tech): Credit cards and ACH


Web Payments

Payment Use Cases

Use Cases

  • Payment for physical goods (ok)

  • Merchant account creation / fees (bad)

  • Payment Processor / Data portability (bad)

  • Digital goods and service sales (bad)

  • Crowdfunding, crowdloaning (bad)


Web Payments

Old Money / Popular and Proprietary


  • ACH and Credit card based systems are "popular", proprietary, and slow.

  • PayPal, Amazon Payments, Google Wallet

  • Stripe, Square, Paymill, Dwolla

  • KickStarter, IndieGoGo, Crowdtilt


Web Payments

Walled Gardens for Web Apps

Web Apps

  • Walled App Stores:
    • Apple Store
    • Facebook Credits
    • Windows Store
    • Google Play

  • Open App Stores:
    • Firefox Marketplace


Web Payments

Open Web Solutions

Open Web

  • The Open Web must have open payment solutions:

    • FirefoxOS
    • PaySwarm
    • Bitcoin
    • Ripple



The Web as a the Global Financial Network

  • The goal: Integrate open payment technology into the core architecture of the Web

  • We need: Developers, Executives, Evangelizers

  • Help here: Web Payments Group @ W3C

  • Pull me aside, introduce yourself!


Learn more...

The End

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