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A User Award System/ebank

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Pardon the name of the topic if it does mean anything. I struggled to put it together because I do not know what the thing I want is called.
I am developing an online auction using Webid 1.1.1 and I need a php script (even a stand alone) to act as an eBank that my members can use as a payment option just like they do with PayPal. I'm mainly looking for freeware.
Im hoping I can use a system like the one that displays myCent here and customise it. Any pointers?


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