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The PayEasy Wallet online payment system revolves around the concept of an electronic Wallet. A person who wishes to purchase goods or services from a PayEasy Merchant registers and opens a Wallet account first. The Wallet will then be funded with credits using any of the available funding sources.

PayEasy also supports another operating mode called PayEasy Direct. Under Direct, there is no more concept of an intermediate electronic wallet. Thus, there is no need for the end-user to perform the additional wallet funding step before making a purchase.