Hi everyone and thanks for hunting Payment.Ninja! My name is Andrey, I'm a founder and CEO of Payment.Ninja, happy to answer your questions here. Payment fees is a hidden tax on the economy, which costs businesses 25-30% on average. It inhibits business growth, consumer spending and slows down the economy. Imagine, what would happen if every business, big and small, could keep those payment fees! At Payment.Ninja, we believe the change is imminent. Our mission is to provide cutting-edge payment services at a fraction of cost or free. You can keep the extra cash for yourself or you can pass it on to your customers via lower prices and better quality.