Worst customer service ever. I made a purchase of $20.95, but when you go to use the app, it says you have to make a minimum purchase of $35 BUT they would make adjustments accordingly if you do not use the full amount. Went back and forth with their customer service for days with no resolution. By my 2nd installment, I had already pretty much paid the entire $20.95 but they still charged me the full $35. Now I'm in the process of disputing charges because Zip won't help you at all.