The discounts are appropriate for the demand, i. E. higher demand cards like Lowes & Home Depot aren't discounted as much. But don't buy an electronic card if you need it the next day or two, especially for example ordering on a Thursday and expecting it Friday. Their "one business" day must be some Mars 48-64 hour business day. You won't catch that last minute sale over the weekend with their cards if you expect to use Cardpool. You would expect an online only company can process online only transaction in 24 hours regardless of day of the week. And yes, no phone support.