It is a competitive process but like you said, once they get in it his hard to dislodge them. JPay has been dislodging other incumbents more rapidly in the past

It is a competitive process but like you said, once they get in it his hard to dislodge them. JPay has been dislodging other incumbents more rapidly in the past few years. There are a few other companies that are out there but their name isn't in the news like JPay.