Ozow offers consumers card-free services whereby they are able to access their accounts using Internet banking. Ozow uses a payment gateway to provide customers with payments. No registration is required and all customers need is an internet banking profile. Customers who pay through Ozow only pay the merchant. There are no other fees. There are no chargebacks on payments. Merchants receive payments directly from the customer's bank or credit accounts. Credit cards are not needed. Merchants also receive notifications of transactions.