And I too agree with TravelingEye on this.  You did not answer the question, but instead referred to more mumbo-jumbo.

The need to PAY a third party company to use your products is ridiculous.  In addition, it appears that you have sold our contact information to Security Metrics, who has begun emailing unsolicited sales pitches.

As a small non-profit HOA that has about 1/7 of our owners (uh, that would be a total of about take advantage of your invoicing and payment modules, paying a penny to prove that is too much.  We need a solution to meet your compliance requirement that doesn't cost those of us that aren't "merchants".

Answer please.