Do you often shop online? If so, you may see an option when you're checking out called Bill Me Later. This Baltimore-based company allows you to shop online without divulging your credit card information to every vendor. It's fast becoming the friend of merchants and customers alike, while Visa, MasterCard and the other traditional cartels grow to despise it. With Bill Me Later, you simply enter the last four digits of your Social Security number and you either get instant approval or you're denied. This is a more secure method to shop online. The other advantage is that Bill Me Later sometimes offers extended payment times at no interest. In addition, this is a money saver for businesses too. Merchants pay a lower fee per transaction than they would to process a normal credit card transaction. So Bill Me Later is a win/win situation for both consumers and businesses.