We start in Section 2 by describing the model and system architecture of the main component of VarietyCash, namely, a network-based, on-line payment system. Some of the design considerations and requirements for the processes we present may be of wider applicability. In Section 3 we concentrate on two processes (and corresponding protocols) in detail: withdrawal of e-money and payment. Finally, in Section 4 we show how to integrate to the network component a typical card-based payment system.