AVOID!!! This is stupid hard to use. They don't deal with my bank, so I don't know how to get the money I was sent - I don't want it on my debit card, because I don't really use it. I tried to send it back so it could be sent another way, but it couldn't find the person WHO SENT IT IN THE FIRST PLACE, and now this money is floating around the either and neither of us know how to get it. Way too hard to use, completely unhelpful. We are totally frustrated, why can't I have it sent to my credit card? Why can't I decline a payment? Why would anyone use this? ARGH!!!!