I strongly discourage new people investing into "payment processor" coins b/c the future is very uncertain due to different types of laws in each country. This will kill the progress of the coin and by the time they resolve the problem, they will be forgotten by the community, like Tenx. This type of coin is really similar to security and they going to have tons of problems with the government.

For regarding with Tenx, they should of shift away from cards thing and focus on COMIT from the start but that didn't happen. They just wasted away 6 months of advantage they had over their competition and they have fallen behind. Tenx is NOT that focus, that is why it drop from top 30 to lows 90's. This should tell you something about the company.