This app is stupid. I originally set my payment up using a checking account but the payment took about a week to process, and then finally bounced since I had another payment come in after that. Then the phone calls don't stop. Every 15-20 min someone is calling me trying to collect my payment which is super annoying. I tried to process my own payment using a debit card through the app and they forcefully want me to chat with an online representative and charge me $5 extra. They live off fees.