Yes really good for recent HQs but you want to make sure the books are from this year or you will get stuck with the Kobo version of the book which is plain text and very poorly formatted. I have bought 4 books from them like this. Double chapter headers and no bold text, italics...etc The ones publish this year seems to be the ones from the publisher and formatted correctly with images and everything so it's a really good deal to get from them.
Gift Certificates would be a great idea! We can hope they implement that soon! I admit my bank must of have let those charges slide for awhile but no more obliviously. To tell the truth I didn't realize Kobo was not an American company. So I was surprise to see the fees at first then went and saw they are in Canada not the U.S.

My bank adds the fees to the total price so it's hard to figure out the percentage I suppose I can just ask them.