Here are two suggestions that I think would improve the BeFree program:

Add a unique constraint on the email address for emails sent by merchants. Right now, I get an email for each site that belongs to a merchant. I have to pay the bandwidth. Simply putting a unique constraint on the email would stop a large number of unneeded emails.

The second suggestion is add a summary field to the payment history (and any other report that don't have totals.)

sound thinking