Developers, charging for instant transfers is only going to hurt you. I went from tipping 6 bucks per transaction to tipping nothing, because you've already decided on a 4 dollar tip. Yes, you've got a free ach option. But your whole tag line is that we get to move our money how we want. You fundamentally changed that without any warning. "You get 1 free one to adjust!" That is not enough. If you want to survive past your business' infancy, I'd suggest you rethink who brought you success..