The Magi pay site looks very interesting. I've been thinking about trying to integrate this into the web application that I've been thinking about building. (Nobody hold their breath waiting for me to complete it please, I've a slight tendency to plan on things that I've troubles getting done)
Just a couple of thoughts on clarification and potential enhancements that might be useful. It states that it takes an hour for the payment to be received by the merchant; is this so that the block chain can be confirmed? Is there a way for the merchant to be informed that the customer has started the payment process at the time they make payment so that they could perhaps be granted limited access to resources on good faith? Is there any type of arbitration or escrow type service planned for the customer perhaps so that web merchants that accept XMG through the merchant services can be trusted? (Maybe some customer feedback or other indicators that the merchants are legitimate?) Perhaps even requiring a certain amount in an escrow balance from the merchant would be enough to establish good faith on the part of the customer and not burden the merchant services (acting as a neutral third party) with this.
Example: Lightplasher to offer a jar of blackberry preserves through his website at $5.00 USD or equivalent XMG. It would be nice to receive payment in XMG and not worry about how customer originated the payment (USD, Greek coins, using Paypal on Magi Pay, etc.). Once customer starts payment they are granted access to the special web customers only access page. After further inspection and reading reviews the customer decides that Lightplasher is far too esoteric to order blackberry preserves from and requests a refund through the merchant services. If the dispute arises prior to shipment the customer easily gets refunded through merchant services.
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Interesting points you have their. About the confirmation time. It only takes 5 minutes for the merchant to receive the payment. There are also a response on the mechant server when a customers has already made the payment. Nice thoughts with the escrow but I will wait for joe on what he thinks about it.
About the multi platform payment. Somehow we can do it in the future. lots of things needs to be taken care of in terms of legality.
Thanks for your clarification on the time for merchant payments however, on the m-epay site:
https://www.m-epays.com/what-is-magipay on point #8 it states it takes an hour to get payments. I guess I can set it up and see how it works if I ever get to that point.
Just brainstorming the legal issues, but hey maybe we could have the Magi pay stuff located in someplace like Luxembourg or some other place with generous tax and regulation issues and then pay all the merchants out as independent contractors. You know, follow the business model of Pepsi, Apple and other big US company's that don't pay much taxes.
http://www.icij.org/project/luxembourg-leaks/leaked-documents-expose-global-companies-secret-tax-deals-luxembourg Tax free earnings for everybody, even the little businesses!
Just kidding again, Lightsplasher doesn't provide legal advice - besides it doesn't seem to fit the community spirit of Magi.
but was stuck with some real stuffs. I hope to get over these sh*t and then move on; either way, I have nowhere to go. 
