It's a race to the Bottom, its just not enough to sell Credit Card and Gift Card service and hope to survive. With all the major networks snatching up POS Software companies, and Putting a full blown sales force on the street to offer a 1stop shop for your Business.
You have a great Credit and Gift Program, Web Reporting and Business portal, but you need the POS and Payroll part to "Get Sticky" with the Customer. Its not enough to just sell 1 service anymore, you have to bundle, and sell subscription service for reoccurring revenue!
Its a race to the Bottom, who ever has the most services will win!