I'm not the previous poster, but the ISP charging thingy could probably be done with a standard protocol, a bit like OAuth. The site would emit a payment request, then redirect to the ISP (you could have a generic URL that each ISP would redirect to their own payment system) that would sign it and redirect back. Then the sites could take those signed tokens and charge the ISP in a lump sum.

Still, the ISPs would definitively charge something for the service, so it's unclear if it would actually be cheaper.