It gives you several options with which you can process your payments. And yes, they offer competitive rates. I have used their services multiple times in the past and always had positive experience with them. But, in this case, there was an issue which needed to be addressed by them. They have resolved it promptly. Not much to say from my side as I am satisfied with their service. Easy integration process, best customer support, and competitive price structure are some of the advantages that made me continue using their services. As I said earlier, they have good prices but what I dislike is the slow response time sometimes. If you want high end payment processing solutions at low rates then surely, go for them. Their fees are quite reasonable. We were able to make use of our merchant status to process our customers' payments through third party channels seamlessly and in real-time.