Everything that could go wrong did go wrong. I got an email with a payment and set up an account. After sign up, there was no balance from the payment and no "Incomplete" transaction. Adding my bank account failed with "something went wrong. Try again later." Turns out I needed to verify my email. Clicking the verify link said "this verification code no longer valid". Trying to verify again said "this email is already associated with an account". Errors and problems everywhere.