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It is primarily a payment option for people who want to transact money on the internet beyond traditional means. It was built to supply payment processing services to people who do not have the financial capability to be approved for a credit card or a check. These people are what you would normally call the underbanked. Since these individuals do not have checks and credit or debit cards, they cannot make a payment online. The people behind the company recognized that there is a huge business opportunity if only these people had a payment method that would allow them to send and receive money wirelessly.
Today, it has branched out beyond servicing merchants that sell products and services. It is now one of the premier payment options in the gaming industry. You can use Skrill in casinos if you want to deposit funds for playing, and you can also use Skrill to withdraw money from your casino accounts.