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Fallen shopping cart: High quality 3d illustration
(Image: ThinkStock)
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Wolfe, Daniel

ShopRunner

ShopRunner, headed by former PayPal and Yahoo boss Scott Thompson, offers two-day shipping through a process that streamlines the checkout. American Express cardholders can use ShopRunner for free, making Amex the shopper's default payment option. All others pay $79 a year.
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Boxes filled with merchandise sit stacked before shipment at the Amazon.com Inc. distribution center in Phoenix, Arizona, U.S. on Monday, Nov. 26, 2012. U.S. retailers are extending deals into Cyber Monday and beyond to try to sustain a 13 percent gain in Thanksgiving weekend sales. Photographer: David Paul Morris/Bloomberg
David Paul Morris/Bloomberg

Amazon.com 1-Click

One of the most prominent checkout-skipping systems is Amazon.com's 1-Click, which lets users ship to a stored address using a stored payment card. Amazon launched Checkout, a service that lets other merchants use 1-click, in 2008. (Image: Bloomberg News)
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A sign sits outside the regional offices of Barclays Plc in Poole, U.K., on Wednesday, Dec. 12, 2012. Major international banks are looking to move more of their staff out of London to their regional offices in the future. Photographer: Chris Ratcliffe/Bloomberg
Chris Ratcliffe/Bloomberg

Buy Buy Buy

Systems like Barclays' Buyit and the defunct PayPal Text to Buy let shoppers make purchases by scanning a QR code or sending a text message. Barclays transfers the money from the user's bank account, removing the option of choosing a separate payment method at checkout. (Image: Bloomberg News)
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PayPal Inc.'s mobile application is displayed on Apple Inc. iPhones and iPods at an event hosted by PayPal in New York, U.S., on Tuesday, Nov. 9, 2010. PayPal offers a network to send and receive online payments. Photographer: Michael Nagle/Bloomberg
Michael Nagle/Bloomberg

PayPal Digital Wallet

PayPal's digital wallet sets up a hierarchy of funding methods. Users can choose a preferred payment method, but if that method does not work, PayPal automatically chooses from the remaining available options. (Image: Bloomberg News)
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No Website Needed

Chirpify allows users to purchase through Facebook, Twitter and Instagram. The service lets users reply to a tweet or comment on a post with words such as “buy” and “donate.” Chirpify has attracted musicians like Lil Wayne and Snoop Dogg, and recently added direct processing, overcoming its reliance on PayPal. (Image: ShutterStock)
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Faster Food

Mobile payment applications MyCheck and TabbedOut let diners at sit-down restaurants skip the physical checkout. Both apps allow people to pay their tabs on from a mobile device. (Image: ShutterStock)
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Mobile Marketing

Mobile payments technology provider ZooZ is putting payments in mobile ads. If a user has already enrolled the mobile device for payment with ZooZ, the system uses the linked payment account to fund the purchase right away.
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BillMyParents

BillMyParents stepped in front of the checkout process by instead generating an invoice it emails to the (presumably teenage) shopper's parents. Parents picked a payment method, which they could store for later transactions. The company, now called SpendSmart Payments, abandoned this model to instead offer a prepaid card. (Image: ShutterStock)

Technology Payment processing Disruptors Cards
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