This app is garbage for small business owners. First time i tried using it, funds were held and I was asked Tons of stupid questions like could the card that was used be associated with a different person or business. IT WAS AN INVOICE AND ALL HANDLED BY PHONE!!!!! I can't wrap my head around the fact its made for businesses yet when you use it it has a melt down and freezes funds without any instruction or warning during set up, it waits until your transaction!!!