This is interesting. I guessed the scheme was a scam, they always are when the seller "doth protest too much". There is always far too much marketing rubbish most, if not all, of which is probably fabricated. It's like betting systems, if it is so good, why not keep it to yourself?
Suspecting that it is a scam, I used a new system of payment called Entropay. I initially opened an account because I understood that being a Visa Debit card, Ryanair would waive the handling charge, this turns out not to be true, but having opened the account, I used it to pay this scheme and my account was left with nothing in it so try as they care to, they will get no further funds from me!
From now on, I am going to use Entropay for all on-line transactions . As it is a debit card with no overdraft facility, anyone trying to grab funds is out of luck. Charging the card is instantaneous and you only need put in the amount needed for a given transaction, though there is a downside. It costs just short of 5% to do so but I think that is a fair premium to pay for safety. You can have more than one card and the extra ones can be destroyed once used.