Frequent customer here and I must say the people at FSDH know their craft when it comes to merchant banking solutions. My transactions always go through and the staff actually understand what they're doing unlike some other places. The one thing that annoyed me sha is how long it takes for confirmations to come through sometimes, like you'll complete everything and still waiting 20 minutes for your alert. Still 4 stars because at the end of the day my money reaches and I sleep well knowing it's in good hands.