[tzs]

The "Compare" page shows PintPay as cheaper than the three competitors compared to, which is good. However, it is also immediately apparent that all three of the competitors have the same per transaction fee and lower percentage charges than PintPay, so that PintPay only wins because the others also have a fixed monthly fee. At a high enough volume, the higher percentage rate at PintPay (3.9% vs 2.1% at Chargify and Recurly--a HUGE difference) will overcome that.

The volume used for comparison is 150 customers a month, each paying $20, for a total of $3000/month. That's only $36k/year, which is not much at all for a business. Using the rates that PintPay gives for its competitors, Recurly becomes cheaper at $3833/month ($46k/year), Chargify becomes cheaper at $5500/month ($66k/year), and PayPal Web Pro becomes cheaper at $6000/month ($72k/year).

So who is the intended customer for PintPay? Most businesses that I can think of that would need such a service are going to be doing over $46k/year.