What’s the latest from payfree? Did you get to investigate further? I actually did try to inquire yesterday (on their yahoo msnger) and basically got the same response (your’s was even better). Anyway, I’m building a website and was planning to use payfree as payment method for my targeted customers. Actually, all of these plans was since early last year and I had a problem with the payment method options, so in studying the paymentgateways back then (payfree wasn’t up yet) I eventually veered away from my original plan (building an ecommerece site) to building a payment gateway for Pinas targeted solely for SME’s! Having the technical know-how and always considering how SME’s can easily go into ecommerce, I came up with a very good bizplan for it, but all was cut short because I had an irresistable job offer and I’m now rellocated here in the US. But basically, it’s like payfree..having an online wallet account (Erick K. beat me to it.. =/ ). So I’m back to my original plan. The ecommerce site of my own and had no choice but to use payfree (hehe). Still I see payfree/load.cm.ph is still focused on the online prepaid card loading rather than the payment gateway service. I say this as we had the same experience in just inquiring for a merchant account. I wasn’t expecting for it to be that inconvenient (a word doc for application? not so good customer service on the issue, etc). I mean..c’mon we’re giving you business and it’s like you don’t want it. (I had a better approach in my bizplan before where instead of waiting for sme’s to realize what I can offer them, I’ll practically reach out to them & get them setup asap! for a low-low fee than finding a freelance programmer to do it for them and pay 5-10k&up for it). Anyway, so this bizplan of mine is still floating around there, but I guess it’s hard to compete with the “established” ones. Wow, I got carried away =) Nice blogsite by the way! keep it up! Oh, and back to my orig question..so how was your merchant application with payfree? hehe.