For what, If I worked closely with 4 other people and we offered something new and you had dealt with us in some way before and wanted to make use of the new product or new way to do business you decide if its right and carry forward business as usual.  If we bring on an outside entity to join us in a new way to conduct business (payments in this case), we would want to protect ourselves by makign sure they would be able to handle the demand that could be placed on them. Is there something I'm missing?