The payment gateway is very simple and straightforward. It has an intuitive interface that is user friendly. It's easy to set up and use. I love how quickly I can process invoices and pay my bills online. It's really a great tool. There are not many downsides. There was nothing that I didn't like about Ivy Pay. If you are looking for a simple way to invoice and pay your bills, then this is a great tool. They have helped me with all of my billing needs. It is quick and easy to setup and use. The ability to have an account manager that is always available when needed. It's also very simple to set up recurring payments. I like how quick they are at responding as well! Sometimes their system can be slow but not enough to cause any problems. They do offer some great services such as payment reminders if your client forgets to pay or send invoices to them via email. We use this service because we don't want our clients to lose out on money and need to chase after us about paying bills.