There have been many attempts to find a way to sell small items on the internet. The difficulty has been in creating an efficient and cost effective way to make purchases less than $20. To date the technology that has attempted to enter this market such as Digicash and Cybercoins has failed due to limited distribution and difficulty of use. Content providers have decided to give content away for free rather than charge small amounts for daily subscriptions or pay-per-view services. Until now merchants have been able to make up for lost dollars from daily or pay-per-view services through advertising revenues. Recently advertising revenues on the internet have started declining making merchants rethink their business plan and find new ways to recover lost dollars. They are going to have to resort to charging small amounts for valuable content that is currently given away for free. Many services have attempted to service the micropayment market with little success. Consumers and merchants are both searching for a universal system that will be accepted at a majority of sites with little hassle. Currently there are two major players in the market, which include 1ClickCharge and Qpass. Both services have begun by capturing the financial information market and selling analyst reports and valuable financial content on a pay-per-view basis.