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I resisted joining Fictionwise for a long time because I, too, found the micropay system off-putting. But HarryT finally convinced me to give Fictionwise a try and I joined it last may with a 1 year membership (you also get a free ebook as part of the membership fee). I also put $20 into micropay. Once I got started, I found that the system works seamlessly.
The micropay is particularly useful when I want to purchase a single book and the price is below the credit card threshold.
My only complaint with Fictionwise is that now that it is wholly-owned by B&N, is that I can't use my B&N membership account and my B&N mastercard to get the standard B&N discounts rather than having to also buy a membership in Fictionwise.
I would prefer that there be just a bottom line number that everyone pays, but these discount/membership schemes are how they get return business. I have bought nearly 100 books from Fictionwise and am quite pleased with my membership.
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