We can pay with our cards or use cash at any merchant just like normal debit card! The experience of using it has been great so far (we used this feature during Ramadan). No fees when paying online shopping/transactions; no need anymore waiting hours until you get paid if there’s an ATM near by etc.; we don't have credit score issues as before because now everything will be calculated automatically without asking us questions about that matter ; easy transactions between friends via social networks e-mailing each other QR codes instead sending emails!