PPAY Inc. and David Webb aka Philip Arcand is a true real scam artist, con artist and bad person. He has spent time in jail and continues to take advantage of merchants who are in need of credit card processing and out of that need have to trust people like David. He knows what to say to get merchants to trust him and then sets his trap. What is being stated about PPAY Inc. is true and I know many merchants who David has screwed. Avoid!