Was great in the past, but now just a money grabbing cast of chaotic bankers. They love it when you lose a customer dispute because they charge you at least $20.00 per dispute (win or lose). You will always lose, even when you customer contacts them or the credit card issuer to validate a transaction they didn't recognize. You lose your product, your payment + the $20.00 dispute fee. They run you through the paperwork circle just to keep you busy for three months until they ALWAYS rule the dispute against you. Thankfully, my customers always give me another card for payment when they realize what is happening, but Paypal still gets your $20 dispute fee. I know more about merchant processing than Paypal Payflo does. I've done it for 20 years.