The owner of PPAY Inc. is David Philip Webb aka Philip Arcand, age 58, released in May of 2011 after doing 10 years for his part in inserting numerous fraud/fictitious merchants into a bank's portfolio causing millions in losses. Now he is trying to manipulate public data by placing fake positive reviews to attract new victims. Philip Arcand changed his name and is now back in the merchant processing business defrauding online merchants. All positive reviews on this website are fake and written by the con Philip Arcand himself. AVOID!