After opting not to tip each time because I'm already paying a service fee this last time I tried to get instant money instead of it literally being instant it has now been 2 days. So if you don't tip then you get punished apparently. Every other time the money was in my account immediately. Having money in 2 to 5 days is not helpful. If I need to take a short-term loan I need it immediately. I won't be using it again after my repayment.