Concept looks fine. My initial card payment of 1000+ properly got done. In the next payment, 12k plus amount got deducted immediately and after 5 days, got a message that, payment got rejected and it will be refunded in next 5 days. This means, the money was used for almost 10 days. I had to arrange the funding to avoid the late fee. No calls or service. The excuse is that, it takes time to get refund, etc., In this digital age, this seems to be a fishy.