I've been using it for a while now and every time I've used it and they say they can just check your card information they can never find it I still always have to upload a receipt I think upside is just a scam to get people's cars information because ever since I been with upside I randomly get a dollar $2 $3 maybe even $4 randomly taken out of my account and it always pops up as a money transfer I have nothing hooked up to my account whatsoever other than my jobs direct deposit and upside