That's been one of the most problematic parts for anyone who's in this alternative billing space. They have to get a sales force out providing the power to get retailers to adopt this as another option.

At the end of the day, the toy business is not a huge part of the Amazon business overall. It's really only something that ramps up during holiday season, and they'll find other companies to help fill the void.

That's been one of the most problematic parts for anyone who's in this alternative billing space.

Nobody's really made a strong business case for it. It's not easy to integrate, it takes several weeks of IT time, and the question is, what's the quality of the consumer that's going to come through?

It is very difficult for Amazon, which boasts of having Earth's biggest selection, to say it has a very exclusive selection. They have had a hard time getting inroads to high-end apparel.

Going into a store and paying with a cell phone is much further down the road because there are so few retailers that are currently integrated with any type of mobile payment system in the U.S..

They usually have some money back guarantee.

The worst thing (for both retailers) would be if something like this happened in September.

Wal-Mart pushed its holiday promotions earlier than most of its competition and so was much stronger coming out of the gate. And then their steam putters out.