Rewards for paying early when most businesses pay late? That's almost as bad an idea as creating a monopoly for business payments- it is an idea ripe for abuse as the elite seek to wrest control of financial transactions by centralizing them. If this company was hacked, all of their customers would be at serious risk. This is a company trying to become too big too fail, a Tower of Babel of sorts for the financial payments industry. This House of Cards will come tumbling down but when it does it is going to bring many small/medium sized businesses down with it.