Yea, this is so frustrating. ACH fees are sub cent. Have people ACH money (buy credits) to the provider. Then payments are simply updating a balance. Pay out wh

Yea, this is so frustrating. ACH fees are sub cent. Have people ACH money (buy credits) to the provider. Then payments are simply updating a balance. Pay out when a user makes a certain amount. The legality makes it difficult but with a few hundred thousand you can get all the licenses. It's tough to find a partner bank but with any sort of funding it would be easier to get meetings. You don't even need to start online. It's my world and what I'd want to do, but brick and mortar stores would kill for lower fees. Could start in a single state at physical retail and really cut down on the MSB licenses needed.