Ok well I'm with pc and I just went in to the kiosk and they helped ne set it up ... Basically I just had to add my email address.... Your clients will have to set up net on their end if they don't already have it and then all that happens is you go into your online banking and select email money transfer and they put in your email address and the amount and create a security question .... I tell my parents to use "what is my childs name" and of course I know the answer. you can use any question ... What town do I live in ... What's my dogs name .... Etc .... And they hit send .... You will receive an email from the client and it says their name and that its an interact email money transfer ..... You click on it and follow the directions ..... Very simple after the first time.