Compaymo

FEATURE	COMPETITION	COMPAYMO®
comPaymo® superior comparable inferior
Setup Time	From days to weeks	5 minutes, typical
Initial Fee	Varies (0-several hundred dollars)	$0
Monthly Fee	Varies (0-several hundred dollars)	$0-50TA*, $10-100TA, @20-200TA, $30-unl.TA
Per Transaction Fee	THe higher of minimum fee or 2-5%	$0
Funds Withholding	Up to 25% of weekly proceeds (Sometimes higher)	$0
Interest	Up to 30%	0%
Penalties	$30 per Charge Back/Interest/Termination	$20 per rejected Transaction/Termination
Per Transaction Limit	Varies	Available Funds in Bank Account
Market History	Established	New
Security	PIN/CVV/User Name/Password	User Name/Password/Mobile Phone (OTC)
Fraud Prevention	Require Credentials	Require Credentials, OTC, Member Rating
Risk	Loss of Goods/Penalties/Termination/Reputation	Loss of Goods/Penalties/Termination
Dispute Resolution	Charge Back, Pay Service Interference	Black List members in dispute until resolved
# of financial accounts	1 Per Service Account	Unlimited
Processing Platforms	ACH/Credit Card Association	Federal Bank Clearing Network
Destination Account	Determined by Sender	Determined by Recipient
Time to Clear	Days	Days
Shopping Cart Interface	Yes	Yes
Disclosure/Privacy	Credit Bureau/Marketing Databases/Compromised	No Information Sharing
Transaction Categories	C2C(Payable only), B2C, B2B	C2C, B2C, B2B
*TA = Transactions per month