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The only experience I have had with Alert Pay was not a happy one. I bought my son a solar toy car kit for his birthday from an on line retailer. To pay for it I had to sign up with Alert Pay (same sort of thing as Paypal I thought) I paid with my credit card. When I got my credit card bill Alert Pay had taken the payment as cash from my card so I had a bill for interest on the money!! Added to that the retailer did not have one of the items and refunded £19 through Alert Pay which is stuck there until I can find a way of getting it back that will not cost me more money!