This paper examines the users attitude towards existing micropayment systems, in Internet-based buying and selling transactions. A survey of existing and potential users was conducted. Findings suggest that customers do want the capability of micro-transactions. However the majority regards the overhead cost of microtransactions is the responsibility of the merchant. The customers are more concerned with the utility aspect of micropayment systems. Security and privacy are the most predominant concerns. Other concerns relate to convenience, flexibility and complexity. These concerns will need to be addressed before micropayment technologies will be accepted by the average online consumer.
Malaba, Amkela N. and Lo, W.N, "User Perceptions of MicroPayment Methods in Electronic Commerce" (2001). ACIS 2001 Proceedings. 43.