Sketchy, at best, all the time! Using this app has many flaws. It will change your payment amount. I make my monthly payment using this app. The payment amount will change from $52 to $4.73 on its own this forcing me to make 2 payments. Also, when choosing my payment card from Google pays I have to reenter the card info to get it to submit. Finally, turning off my wifi when I do any business on the app is a nuisance. These problems happen routinely.