I don't use PayPal or any of the other 'charge card services', but the features sound great. My only question at this point is its viability as a business. I don't see how they can make money without taking risky chances with the cash they get from the float. There is no insurance, and if they go out of business, the money they owe their customers at the time will evaporate.

I will wait for some seasoning of the business, or an affiliation with an experienced financial concern who will guarantee the customer "deposits". This could happen in the near future if the service continues to draw customers.