We are currently trying to implement a payment provider in zaypay for paying for services using sms or by calling a number. We already have google checkout and paypal working for regular payments but zaypay is rather inflexible, poorly documented and a pain to setup when you have hundreds of products with varying prices. So my question is, do you know of any other european payment providers that take sms and call payments? As a response to Roberts answer/question Hi Robert, I must say that the Zaypay solution is the best and only I've seen thus far regarding phoned payments. However, since its now 2 months ago I finished the implementation of our custom Zaypay UI I can't remember much of the the details of the problems we were having. I'll try to give a brief of them anyways the best I can. First of all I would like to see a redirection type scenario for payalogues. From what I remember you guys are using the JS framework "Prototype" which doesn't play nice with jQuery which we are using so we weren't able to use the popup-type scenario supported by payalogues. Furthermore when implementing our custom interface I remember a lot of missing translations, like words that were codes instead of a word or a phrase. This meant we ended up writing/translating all the messages we needed ourselves. Also, another point of annoyance was the setup of prices and items. I wish we could just send in the order items/prices as a part of the interface like you can in Google Checkout or PayPal (not that they're flawless either), instead of having to define ALL the items you will ever sell through your admin interface beforehand. As far as I can remember it is virtually impossible to use Zaypay for a multi-item order in its current form. Finally there are, as far as I can tell, some security issues that you have to think about when you implement a custom solution... especially a ajax driven one. As I said in my original post you do mention this in the documentation but I believe the documentation wasn't that comprehensive regarding security issues. Again I wish I could give more details but the code & client is long since gone, so I can't look up the comments I wrote. Sorry! Oh yeah, the general API documentation weren't exactly comprehensive and 100% correct either. Again, I don't want to advice people against using Zaypay, I just want to advice that they should try it out first on a realistic prototype and think about their implementation before releasing to production. Maybe its just me who misunderstood a lot of things but I generally had a difficult time using your framework and I was left with a feeling that the API was very new and not thought through from the beginning.