Yes, you're right. But we're doing this for two reasons:
- SPS will also accept ACH pulls from customers. We have a couple who want to pay our annual agreement monthly. For that feature, they pay a 20% premium AND must use either automated cc or ACH pulls. (The premium is partly to cover the extra cost of this.), It's less hassle to use SPS ACH feature than doing it through out bank.
- SB&P will be of interest to some customers, and we want to get a better feel for how it works. We don't expect many customers to use it.
If we had lots of customers and many of them used CC, I'd have a different opinion. But as we've progressed with our annual agreements, and value priced elements, I am quite comfortable that any added costs will be recovered through higher prices. Your mileage might vary.