Though just new, i am particularly impressed by the ease and fastness of the correspondence which really exceeded my expectation. I would certainly recommend Cashper because of the ease and fastness of the correspondence between them and any potential customer. I feel many customers might shy away from the idea of providing complete bank detail especially including the online banking pin. I think it would still be ok to have a way to allow logon without having to provide the online banking pin which could be left optional.