To submit an "express payment" you must speak with a live operator....in a chat box. I waited on an operator. Then waited longer for the operator to respond only to have the session close itself and offer me to enter my email to receive a transcript of the conversation which had 0 comments....twice. Third time, got to the end and I needed to reply "Yes" but after attempting a dozen times with none going thru, I finally got it. Also...who puts hurdles in front of a consumer to pay?