The ability to have different payment options (eChecking) without having multiple accounts or integrations makes this product very useful from my perspective as an entrepreneur who runs several online ventures at once! I wish there were more ways we could use it outside just eChecks but other than those two things everything has been great thus far!! Definitely worth looking into if your startup needs flexibility when accepting credit cards/payments through Stripe etc.. There are no downsides really aside form being able to do some customizations beyond what they offer out offthe box - maybe add additional fields? We've had success using cheddars API integration wtih our website builder plugin called SiteOrigin where users can pay us via their bank account directly within the site itself instead othrwise going back n forth between email addresses & cc info ect...