Use to be a very helpful app.. to keep your bank account private. And make sure you get your items ... not anymore. I payed for insurances twice on my packages.. made a report to paypal I didnt get them. And they said I didnt proved enough information. So now there is no point in paypal. Because I did all the step the asked. I do care if it 20 to 200 I dont like to give away money.. u