Just the other day Clark was talking about Bill Me Later, a company that gives you an alternative to doing online transactions via the credit card cartels. The Wall Street Journal now reports that $1 in every $7 is being processed online through an alternative payment method. Clark has now learned that Bill Me Later, PayPal Checkout and Google Checkout are even better than he originally thought. All 3 are now offering extra incentives to get you to use them instead of your traditional credit cards. PayPal is offering a 20 percent cash-back discount, capped at $50. Not to be outdone, Bill Me Later has since started offering free shipping up to $20, and a no payment for 90 days policy at participating merchants. Google Checkout is also offering free shipping. Clark likes Bill Me Later best because they completely assume the role of a credit card and cut the usual Visa and MasterCard suspects out of the picture. That means increased benefit to consumers and merchants alike.