This site is best described as a restaurant that has extremely delicious food, but you have a equally high chance of getting food poisoning.
I base this review not on just one experience, but the average user experience from multiple occasions of making purchases on their websites.
I felt compelled to write this because of the increasingly bad experience that my friends and I face with payments on their websites. At first, I read the negative reviews here and thought: hey, that won't happen to me, my credit card has gone through before. Well, you couldn't be more wrong. Let me explain.
First they removed Paypal in August 2019. That gave less options for customers, and makes one wonder why one of the most reliable payment service provider was removed without good reason or acceptable explanation.
Secondly, they added extremely slow manual verification for buyers with bots as customer representatives that copy-paste information when you have issues or genuine questions about payments. Sure, that's still bearable. It's okay if my payment takes 2-3 days to clear because of all the slow replies, I still got what I wanted, right?
Thirdly, if you're not in the US, every time your transaction fails, they don't charge your card, BUT YOUR BANK WILL CHARGE YOU A NON-REFUNDABLE INTERNATIONAL TRANSACTION FEE.
That was just the beginning.
In May 2020, they had this pre-charge verification where they would charge you a certain amount in USD to 'test' the authenticity of your credit card, BEFORE your purchase was made. My friends and I pay in other currencies, so it was extremely difficult to guess the amount even using a currency exchange website for conversion. Even then, you also had to do background research on how much your bank charges extra for international transactions and deduct that amount to guess the amount, so you could make a meager purchase.
Fast forward to three weeks ago, they demanded my finance documents, here's exactly what they said, copy-pasted from their verification team:
1.) Kindly log in directly from your bank website. Go to the transaction page and screenshot the whole page. Please do not crop your payment receipt, and make sure to include the bank name and URL and the transaction description; and
2.) a photo of your physical card including the following details: (Bank name, last four digit of the card – and the name of the card owner).
Just recently today, they've reached my breaking point. They demanded the following:
1. A clear and colored photo of your government-issued photo ID.
2. A clear photo of you or “Selfie” while holding your card and ID beside you. Your face must not be blocked and should be clearly identifiable.
Wow, just wow. I handle transactions up to few hundred thousand dollars in my job, in coordination with multiple companies across the finance sector. NEVER had I once had been required to do such intrusive privacy verification. There is absolutely NO excuse for you to make such ridiculous requests from customers.
You know the worst damn thing after all of this?
THEY ALREADY VERIFIED MY CARD THE FIRST TIME, MONTHS AGO. AND THEY STILL PUT ME THROUGH ALL THIS. EVERY. SINGLE. TIME.
I have spent several hours going back and forth, so I figured instead of wasting time trying to to make a single purchase, the time would be more constructive to create awareness with potential and existing customers who would be transacting on their website.
I guess the cheap prices are bait to lure in people to buy things from merchants on their website, and they subsidize it by selling our personal details to information brokers. I don't see why else you would require such private detailed information for 'verification'. Buyer beware.
Verification of identity should not be so onerous and intrusive, other companies settle for 2-factor authorization via mobile and it works properly. Why do you have to ask us for a mugshot like some convicted prisoner holding their ID?
Also, their reasoning for periodic identification is acceptable, but your system is flawed, broken and does not function the way you previously explained. If you checked my records, you'd realize that I made at least 6 consecutive orders separately yesterday - 2 orders immediately cleared; the rest got walled with the impossible verification procedures. This is a failure - it should have been all or nothing.
Since the execution for their fraud-prevention system is already so disappointing, the reassurance that you "treat your documents and information confidentially and professionally" really has no credibility at all.