The way we pay and with what has and will continue to change. “Retailers may soon find themselves trying to figure out the most efficient way to convert such things as Facebook credits into cash and back again,” according to Eddie Myers, president of the Electronic Transactions Association. “They’ll no doubt encounter customers wanting to pay with PayPal and probably other things they’ve not yet heard of, like Dwolla, Obopay or Mocapay, just to name a few.” Myers shares his views on the future here.