Holding a valid license to operate as a payment system in Europe requires experienced and reputable professionals in all fields: accountants, compliance officers, coders, fraud specialists, etc. If a similar service is offered to you free of charge, it means that you become the product of this company, used to artificially inflate some indicators allowing the service provider to temporarily increase its value. At best, you will end up paying fees that were not very clear from the start (the famous paragraph 32 of Article 130 of the contract). At worst, this payment system is near bankruptcy and the chances of seeing your funds again very slim.