[coffeecheque]

Why does it have a monthly fee? What are the differences between the US and AUS markets that require Australian users to pay three different fees to use a payment gateway?

[nwh]

I was part of the beta and wondered that too. It's almost like they don't expect to cover their internal costs with their (reasonably pricy) cut of each transaction.

[rmccue]

From what I've heard, the Big Four banks aren't being the most cooperative, so my guess would be that Pin has had to make concessions to them.