I'm still giving them the benefit of doubt...but the experience has been less than satisfying so far. Below is a message I sent tonight to their payments agent. I'm having second thoughts about my subscription to the Xerobank service. My account still shows "payment pending". I have emailed "sales support" and to date have not received a reply. The Xerobank web page seems to be a Mickey Mouse mishmosh of broken and incomplete links and pages... and tonight the support page is unreachable. It's obvious to me that a company that is unable to maintain a simple and creditable web presence will definitely be unable to look after client's sophisticated security requirements. If I have not received some sort of credible explanation from Xerobank within 24 hours...I plan to contact Visa to cancel my payment as a possible fraud.