This app forces you to top up to pada pay then still charge your card on file even if you change to your preferred payment method thus forcing you to have money left on your panda pay even if you do not intend to leave money i ln their app WORST THING IS THAT THEY WILL NOT HELP IN TRANSFERRING THE MONEY BACK EVEN IF IT'S THEIR SYSTEM THAT MADE YOU ToP UP AND NOT USE THE ACTUAL AMOUNT YOU ADDED TO YOUR WALLET. PLS THINK 5X IF YOU WILL CONTINUE TO USE THIS APP. WORST CX SERVICE!