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Why is a web browser required for PayPal, WebMoney, and Credit Cards?

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Why is a web browser required for PayPal, WebMoney, and Credit Cards?

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Each of these requires encrypted communication over the Internet in order that the credit card numbers and passwords are sent secretly. Very few people are able to encrypt their emails. So, in order to protect our users, we require that these transactions are done using a web browser, because a web browser will encrypt these transactions automatically.

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