I worked in a digital technology company in Wellington in the 90s and one of our key technologies that we sold was a hosted form on a secure (remember, this is the era that https was not common) website to collect credit card payments. We were a proto Stripe in the year 1999 but totally in the wrong place in the world to take advantage of it.

May have been the wrong time too. 1999 was chock full of companies that failed to get traction and died during the dot-com collapse, but variants became much more successful 20 years later. Much of this was mostly waiting in infrastructure I suspect.