Horrible. Out of all the pay apps this one is by far the worst. If anyone is reading this, fair warning, dont use Venmo either. They are a paypal company and just as bad. Cashapp is the best. No issues. Paypal is constantly holding my money for no reason. Keeps making me verify my identity in numerous ways over and over again. Has held my money from anywhere to a week to three. Venmo literally just ate my money. Froze my account for no reason with money still there. Customer service is no help.