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DrCheckRaise states: "After weighing all the information that has been made available to me, against the lack of information from Pic Club, (Even though they originally made contact with me in the beginning) It is my opinion that the future of Pic Club is bleak. That your deposits are considered investments and therefore NOT protected against a devaluation." "Your Deposits" implies the entire amount is considered an investment. Totally incorrect and inaccurate. DrCheckRaise states: "When you make a deposit using Pic Club, Pic Club charges the site getting the funds 7% commission. When you make a withdrawal, they again pay Pic Club 3%." Are you 100% sure of these numbers?. Did you make any effort to actually get the correct figures? Or are these numbers based on 'someone told me...' ? DrCheckRaise states: "At Worst, the credit card companies charge 5.9% Pic charges 7% entering and 3% leaving. In my opinion it would be a poor investment to buy shares of Pic Club and that was my advice as soon as I heard that Merge had dropped Pic Club." You're mixing apples and oranges here. Credit Card Processing fees (what it costs the ewallet to actually process a credit card deposit) have no relation whatsoever to the fees negotiated and agreed to by a merchant at the time the contract is executed. (executed contract are key words there). The fees a merchant negotiates with the ewallet is the commission earned on transfers to and withdrawals from that merchant. What it costs the ewallet to process a credit card deposit has absolutely nothing to do with the merchant fees. Let me try to explain that plainly in case I have confused you. Client makes a Credit Card deposit to an ewallet. If there is an additional processing fee charged to cover the ewallets cost of this transaction, it is charged to the client. Client then transfers funds to a merchant. No cost to client, merchant pays the fee negotiated in their contract with the ewallet. If the client withdraws from merchant back to ewallet and a fee for that withdrawal was agreed to in the executed contract it is paid by the merchant. No cost to the client. (For the record, back when I used Epassport, a load of $200.00 cost me $15.00, thereby making my total charge $215.00. The $15.00 was to cover what it cost Epassport to process the credit card transaction. Epassport then received whatever their contact called for in fee from the merchant I transferred to. That is how they make a profit in case you were wondering.) Just a few small errors here, but you have posted this as factual. One has to wonder, if you were not going to take the time to research these facts, what else did you not take the time to verify? I would think 'responsible reporting' would involve more then just pulling numbers out of the air, and perhaps knowing how an ewallet actually operates. Perhaps you should try reaching someone in the industry that can explain this to you. And just one other thing that seems to have gotten overlooked here. An ewallet takes the risk of chargebacks when they process credit card deposits. Once the funds have gone to a merchant, if a chargeback occurs, the ewallet is on the hook for it. Had the network in question not decided, (in direct violation of most e-wallet contracts), to take the players direct action, thereby avoiding those nasty contract fees, they would not have had to eat the loss from the chargebacks. Hmmmm