Alrighty... here's the deal, I imagine it's highly illegal, yadda yadda yadda, don't do this or you'll go to hell, etc ;p
Aaaaaanyhow, I have a query. WebCertificate lets your send $5 certificates that work like mini-Mastercards - Ecount.com lets me add money to my "ecount" my charging it to a credit card, and it also lets you "credit", or dump money off of your ecount, onto a credit card.
So, what's stopping a person from:
1. Creating a small army of Hotmail accounts
2. Sending $5 webcertificates to each of those accounts
3. On receiving the CC#'s for each of those webcertificates, going to Ecount and charging $5 to each of them.
4. "Crediting" or dumping that money onto a *real* credit card.
I mean, this is all of course assuming that Ecount doesn't make sure that you haven't already gotten a webcertificate, which I imagine they do. Because otherwise...