Well I WAS a member until after several months of business with them they dropped me like a hot potato! I spent several hundreds of dollars with them, always paid on time and sometimes even early then one day my account stopped working. I tried contacting customer service and was told they shutdown my account and refused to go into any kind of detail or would give me a reason WHY I was kicked to the curb!! I felt very offended about that so no I can't say I recommend zippay!! Go elsewhere!