I've had two accounts with Verizon - Mobile Broadband w/ USB modem and my Droid. I've now tethered the Droid to my laptop using PdaNet and it works flawlessly - except when I try to run credit and debit cards. My card system is a swiper and a keypad that report to a software program on my laptop. It is live with the internet so cards are usually run immediately, getting an authorization in seconds. But when tethered, the transaction is timing out after 90 seconds, it just isn't working like with the UM175 modem. So is there some different encryption with the modem vs. the Droid? Like I said, websites and email are fast and quick - CC is screwed up. Any ideas on settings? The CC company and the software company both shrug their shoulders.