The attached is old news, but according to a past CC hosted by Louis Hoch, CEO of PYDS, 700,000 dollars worth of digital upgrades was initiated.
Add Singular Payments 1-day ACH S.T.P (straight through processing) to the equation. With or w/o Patent 7,021,530 protection, awarded to Louis A. Hoch circa 2006, PYDS upside potential outweighs downside risk.
Earnings report due out on or before November 15th, 2017, could mention "digital" Billserv/Payserv enhancements,
SD: You bet your money, you play digital solutions, YOU take a calculated risk a.k.a. gamble, while billing, payments, e verification, security, records and record keeping hones-to-perfection.