If I could go to a different service I would. I started having issues with payactiv a few months ago. My password is always inccorwct on my next revisit. I always have to talk to a customer service provider to reset it because the "simple" reset sending a pin is an issue. The pin can never be verified when you attempt that way. Now, i accessed my money, had a $0 on the app, and never recieved it making me have nothing for my sons birthday.