The best thing about bayopay, as it's self-funded platform makes sure that we have no hidden costs or any additional charges from our clients once they use this payment gateway for their website payments! This has been one of my favourite features so far because I am not aware if there are other similar solutions out in market with such an amazing feature set like ours at zero cost to them!! Honestly speaking i haven't found anything which can be disliked but surely you will find something when using these services. Their support team always helps us whenever required even after midnight hours too. ! So all together its worth trying just make your mind clear whether u want good money management software without adding extra fees OR do wanna try new innovative products otherwise go ahead. !! We used paypal before starting working here only & then switched over completely due low transaction fee structure offered through PayPal vs high processing time taken while transferring amount via bank transfer mode - also.