Absolutely horrible. I sent only two transactions to a friend, and the third time around the app had kept asking me to link my card again which I've done several times and would not register. I made a new account to hopefully fix the issue, but instead it continued to reject my card entirely. I know with certainty that there's nothing wrong with my card and the reasons suggested why the following happened had not given me a definite answer. I will not be using this app again.