I'd quite like the answer to the previous Q too. I had been offered rates by Lloyds TSB and had made contact with PaymentSense to see what their charges were. It took them THREE WEEKS to respond to my enquiry through their website. They offered me reasonable rates but were higher than Lloyds. They promise to beat any rates so went away with details of the Lloyds deal. That was FOUR DAYS AGO and I'm still waiting to hear back from PaymentSense. They did set me up with a demo account to see what it was like. I'd love to go with them as I detest dealing with the major banks any more than I have to (and my pms software already has links set-up for PaymentSense so is easy to integrate). Sadly, their customer service is letting them down and leaves me with one HUGE question mark over using them.