Love now pay later. Visa is rubbing their hand in extacy over all the lovers who chose to express their affection with a plastic card. -We love it, says the people at Visa. -It`s so romantic. Believe me. I`ve worked in banking for 40 years and nothing works better than cash. Flowers, confectionery and paper cards are all sweet and nice but doesn`t get the job done, it`s the gravy. You need hard cash and lots of it. The more, the better your odds.