For online shoppers who are reluctant to use their credit cards for online purchasing or who wish to remain anonymous, the latest prepaid solution from Gemplus and Valista (recently formed from the merger of Network365 and iPIN) is a gift. Gem-eCash is a prepaid solution, already delivered to Paynet Group in the Czech Republic. It is designed for micro payment purchases over the internet. By combining a prepaid card with online purchasing power, users can make secure purchases for digital content, such as mp3 music files, videos, games, newspaper articles and horoscopes, etc. Users scratch off a panel on the phone card to discover the secret code, which corresponds to their prepaid credit.