@Wirex: I've just seen this list, maybe you should also work a little more on those exchange fees, else the competition will get your customers:
Hello.
Rates are based on several bitcoin exchanges integration. The rate might fluctuate during the day, so sometimes it might be better than some services, sometimes it might be worse.
The most important thing is that we always show you the rate before every card load transactions, which means that you always control your funds.
On the other hand, we do our best to deliver the best rates to our customers.