What would convince you to switch from cash-on-delivery to paying while ordering from e-commerce sites?

Here's what I think about the above (and more): 1. "certified" : You'll need to educate me (consumer) more on what the certification means, and why should I expect it not to be breached (there's a lot of cynicism on anything "certified"). 2. "instant refund" : Personally, yes. If there was a way the delivery guy could simply press a button "He said Nay!" and the money was instantly refunded to my account / card. This would a safety valve for the consumer. 3. "escrow / transfer" : This is simply another way to look at (2). However, it adds another "step" in my perception of the order-delivery process. I would prefer (2) over (3). 4. "accept cards at door" : This is the last-step experience change : This is an ease for the e-commerce company, not a major differentiator for the consumer. If I combine points (1), (2), and (3), there is space for a Paypal-like company that becomes the conduit between the e-commerce company and consumers, to replace the cash-on-delivery pain. Unlike banks, this company enrolls only merchants that offer an "instant refund" on a no-questions-asked policy. Consumers would feel safe putting their money in such an escrow because they would always be able to force a refund and shop under that safety cover.