Slow. Extra unnecessary steps. When making a payment, there is no reason to have to wait in a chat for a automated bot to confirm your information. I'm making a payment, if someone else was trying to get into my account to make a payment, please let them go ahead. Useless step to verify my info when making a payment. I understand if I was changing account information, or trying to withdraw. I wanna make my payment quick, within seconds, but instead I have to wait around for a automated bot.