Wiley,
That is nothing new. There have been companies doing that for years. They offer nothing that Ipayone didnt and actually have an even weaker business model. You should be smarter than to believe there is such a thing as a free lunch. Didnt the dot com era teach us all this lesson?
For some it may work but for most it will not result in a better outcome. It surely is not enough an adequate solution to replace the system.
