A few key areas where our differences are advantages (in our pov): 1. We handle recovery e2e (both retries & communications) 2. We provide detailed real-time analytics on performance 3. Higher ROI (cost less and are directly responsible for more recoveries) 4. They're competing to be the card vault (replace Stripe, Adyen, Spreedly, etc. vault) whereas our vision is revenue optimization from initial authorization to recovery (complimentary to any stack)