I've been with pay trust for 25 years or more. The sad news is that the the old company has been sold and the new owners haven't got a clue about how the website should work. The major changes took place about a year ago when they took a successful website and company and threw it in the garbage. They completely redesigned A successful website And turned it into a piece of garbage. The new website is so complicated that no one can find their way around it without a map both hands and a search warrant. If you are considering signing up with these people I suggest giving their website a "test drive" for a month first. You might also call customer support at least once and try to reset your password. As if that weren't enough, they started screwing up a bill payments. Bills that had always been on Hto pilot sent from 2 or 3 a year to 2 or 3 a month. Sometimes with unbelievable consequences. E.g. once they failed to pay a Visa card that I used to pay my phone bill, my internet bill and others. This lead to a veritable cascade of problems. Recently I have had a lot of trouble getting my credit cards that are renewed periodically. I've never had a problem getting the new ards that Visa or Mastercard sends out to paytrust but this year the delay is so long between the issuance of the new card and when paytrust gets around to sending the card to my home that I have now started asking that the banks send me the cards to my home. I wouldn't give them any stars at all if I could give them a negative score I would.