I have used other digital payment providers with a few glitches, but this provider is the absolute worse of them all. I am pretty computer saavy and can follow directions. That being said, I have reached out to their site by phone, chat (the limited time it was available), and by email. I simply need to know the status of a refund from a retailer, since it's exceeded the window of time that was provided. Not only that, my ability to view my transaction history was suddenly prevented. I followed all directions and still no update on my refund and again when speaking with a rep, he said their system crashed and he could not view my transactions either. Come on, please do a better job with helping customers. I will avoid this digital service in the future!