I like that there are options to set up recurring payments, as well have one time transactions with different payment methods available (ACH & Credit Card). It's also easy enough so you don't need an IT person in your organization if they aren’t already involved! The design could be better but it doesn't seem too difficult once familiarized yourself w/ its features / functionality - very intuitive interface.- Not much at this point other than what was mentioned above- Great product overall!! We use their services when we receive invoices from our customers or vendors who pay us via ACH transfers using Xero Account Payable module which allows them access into those accounts through iOS devices such as iPhones etc..