If you go to our home page (http://www.paybaks.com) you'll find a high-level, non-technical overview of how Paybaks works. We're also working to post a more technical explanation for those inclined to see more detail. In a nutshell, we transfer money from your business checking account to an FDIC-insured FBO account held at MetaBank in your name. Once the money clears to MetaBank, we create cards for each invoice you want to pay. Then, you call or submit the card to your supplier and they process it like a credit card. At the end of the month, we pay your rebates directly into your bank account.