An on-line commerce method and apparatus. A user can select products for purchase from plural merchant servers (40) by examining product information stored on a shopping server (20). The product information related to selected products is verified by accessing a checkout page of each merchant server (40). The verified information is then presented to the user at a client browser (14) for confirmation. Upon confirmation, buy procedures are executed on each merchant server (40) to purchase the products using existing account information for the user at each merchant server (40).