The reason we first considered PaymentBanc was dissatisfaction with 3rd-party payer programs. (They charged) high merchant fees, had poor customer service, and our payments were often delayed. What we've found is that, with PaymentBanc, all three of these concerns have been resolved. We don't lose profit to merchant fees, PaymentBanc's reps are always happy to help us and our clients to resolve any problems, and we are paid reliably and in a timely fashion. We didn't anticipate the added benefit: our clients appreciate us for offering a real payment program, not just another credit card.