I still believe the business model is not viable for any of the electronic pay companies. They can only exist so long giving away their service and then must convert to a system where they charge their customers. You probably won't lose much, if anything, dealing with them. Some chippers may choose to use their services for free for a while and then drop them, but I'd rather not get in the habit of using them, only to have to revert to checks and money orders later.