Payportal proposes to offer highly complex services and products and faces competition that may result in low market share and or profitability. Payportal expects the marketplace to continue to be highly competitive as new products develop  industry standards become well known and
other competitors attempt to enter these markets. Some competitors may have longer operating histories  and larger customer bases and significantly greater financial  sales and marketing  manufacturing  distribution  technical and other capabilities than Payportal. These competitors may be able to adapt more quickly to new or emerging technological requirements and changes in customer and/or regulatory requirements