First problem: their website's client dashboard is extremely difficult to navigate with hidden links and buttons. They also trick you into "Instant Transfer" of your funds rather than have the same easy option to balance transfer for free with a day. You have to dig and dig and accidentally hover over the balance figure just to discover this is a button?? where you can do the free transfer. I build websites for a living, and their UX is a complete joke. Second problem: subscriptions and recurring payments is a nightmare to setup, and doesn't work half the time. Lastly: customer service, as others have said, is a complete waste of time. I'm done and back with PayPal.