This is the home page of First Virtual, an entity that has established an electronic payment system whereby users can securely transfer funds over a network like the Internet. First Virtual differs from other electronic payment schemes in that it does not rely on some form of encryption to keep transactions from being compromised. Instead, it uses a telephone-call verification system combined with regular e-mail to securely transfer payments electronically. Users can obtain information on the First Virtual payment system, sign up for an account, or get info on becoming a merchant with the First Virtual system.