ax Levchin, has announced a new payment gateway for mobiles called Affirm and it is going to compete in the fast growing mobile payment gateway business. According to the firm’s website and Reuters, affirm technology will help the shoppers to buy more easily and more quickly through their smartphones. Pay Pal was criticized for its features of not being user friendly, which has lead other competitors to grow. This is a very fast growing market and lots of people like to shop using mobiles, so it is very important for Pay Pal to be user friendly and to have very fast interface. Affirm’s technology offers their shoppers to shop through credit cards, bank transfers and physical checks, which was not available in Pay Pal gateway