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Here's the advantage that Cybercash has over their competitors that I think most people are overlooking:

They already have an existing relationship with almost all the major U.S. banks.

What this means is that when we(my company) presents an e-commerce solution to a client, it will almost always work with their existing bank. Other solutions we've looked at always ran into the problem of not working with the existing banks and having to start another merchant account - something most companies of any size would like to avoid...
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