Used to be a great service. But now they seem to have an arbitrary algorithm that defaults to tagging some friend to friend payments as business transactions, charging a fee and creating a tax implication for the friend you sent $$ to. Has happened now to me twice, and you can't undo the tag. Ridiculous that it can't be reversed. Worse, their solution is to have the friend just send the $ back, but of course sans fee and with the IRS reporting intact. I'm cancelling.