Outstanding service! My dedicated manager gave me exceptional service and always checked on me. Not to mention their range of services and fees. Fees really are more than reasonable, considering the market right now. Their Reseller/Referral program is a piece of cake too! Ask them about that, you'll be pleasantly surprised. At this point it sounds like I work for the company so I'll stop praising them. From critique point of view I can say that verification process takes awhile. Although that's not really their fault, it's the strict rules of FCA so I don't know if I should critique them for that. In conclusion - UPayCard - it's out there, go try it and you most probably will not be disappointed. I'm Marc G. Kind Regards,