The ad hoc committee that reviewed Club Tools included John Howard, George Emmanual, David Hazen, and Henry. They checked out the company's finances. They will integrate their system with ANS to support membership enrollment. They make their money on the transactions people make via the web tools. So you have to build transaction costs into the price for events.
People can always use a real check.
There is zero transaction cost for zero price events. We will do an initial effort this Jan-June. There will be a demo and training on January 8th in Bush room. You can go to website for clubtools to testdrive the system. Refunds will be by check.