When we talk about AlertPay, we should differentiate between the company's P2P and e-commerce services. The former is quite competitive to what PayPal (https://www.paypal.com) offers and I think choosing one over the other is more of a matter of personal choice. The latter, on the other hand is not quite as competitive as what traditional processors (e.g. https://www.unibulmerchantservices.com) have to offer.