My experience with Cardex, now Pivotal:- 5 months after the contract expired Pivotal withdrew over $10, 000 (Over Ten Thousand Dollars) without consent. To be safe one has to close their bank account immediately to avoid having monies withdrawn. (Open a new account where Pivotal does not have access) In my opinion Pivotal encourages wholesale theft and is not the least bit concerned as to whether their dishonesty forces a company out of business. I feel Pivotal is a Snake Oil Outfit and should be avoided. If anyone else has had similar experiences please get back to me & perhaps we can join forces to force Pivotal to return any money taken.