I have been using it for more than 2 years. it’s payment service is very fast and safe as well. it’s security level is very classy. I can deal with money in my family or with friends because there is no hidden charges on transactions. in this app , I have win lots of coupons and cashback.real time passbook update is very useful feature. no minimum balance requirement is also decent feature. so features and functionality is great. it is very easy to use and better than any other.