[color:"orange"]its only a matter of time before they bring in facilies where you can (as the client) phone in, give the vendor's "dealer number" and amount, and the bank will sent the confirmation directly to the vendor (maybe via sms / text) or something similar....[/color]

In Canada, if you bank online with any of the major banks you can transfer money by email to individuals or companies, using CertaPay (you can receive money at any financial institution).