Low rating because I am forced to see who of my friends is paying who else, despite 'private' settings. I only want to add who I want, not 'everyone' from my contacts! Paying people is not a social network, an there's no way to turn this off, I tried. What were they thinking? I'm using this only because I have to. It does work for the money transfers. Therefore doubling from 1 to 2 stars......