Esacco has no set up fee, payment of monthly subscription is enough to get user started on Esacco. Esacco does not force users into paying large upfront charges upfront. Pay as you go or as you use is the model, a model that breaks acquisition cost barriers in adoption of the system. Saas model converts acquisition cost from a capital cost to a running cost. This model is important in Esacco’s mission of delivering a financial inclusion platform to the world. Institutions no longer need to acquire and manage expensive servers. Esacco SaaS model allows an organization to achieve lean operations, cutting down IT budget in both short run and in the long run.