Why are online payments services necessary

In this digital age, online payment services are added services that will make bill payments easier. Online stores and businesses have cropped up and their market is worldwide. To facilitate easy exchange of goods and services, online payment services are offered. Online payment services benefit both the seller and the buyer. They buyer no longer need to go to a physical office to deposit his payment, all he has to do is lodge his debit or credit card to pay his bills or online purchases. Sellers also benefit from these services because he'll know that his buyers are not bogus and online payments are real-time transactions. Thus, making payment tracking easier for documentation purposes.

Can you mark me brainlest?