How much time have you spent with lawyers and consultants on your verbiage, terms and agreements with payment processors? The thing that worries me about any new payment startup is whether they've covered all the right bases... if they haven't, they can be out of business overnight when they realize what they missed. It's a fine line between selling points and factoring (processing payments on behalf of another business), where factoring is contractually forbidden in almost every merchant account and 3rd party processor contract.