Overall, it is a good product. Here is some free advice from a system analyst / solution architect.

Overall it is a great service. Works great, and I use it all the time.

Some things that I would change: - The ability to change your reserve dates, and payment dates, so they all align. - Better user experience on the customer portal. So, the ability to see what is owed overall, and the ability to change instalments amounts to less / pay off the entire amount if wanted to. - Ability to see how much is owed, how much is reserved and put "on hold" on your credit card, etc - Once the "reserved amount" is implemented, allow the person the choice to pay it sooner than in the seven days, to clear up that reserve amount faster. - Allow people to request longer reserve periods.

It's a great service, but can be a trap for shopaholics, so beware not to get yourself into a sticky situation.