Like API lulu I think there should be the facility for a credit card / paypal to always be on file. As a business owner I found myself doing $10 a hour jobs ordering books. My team are overseas in Phippines. I had to search high and low to find a secure prepaid card that would work internationally... it's sorted now... but I think that's something significant that's been missed. Seem odd it's on one platform but not the other.