The app allows you to pay bills online from your mobile phone instead of paying at an ATM or store counter. It also has good customer service via chat so if there are any issues it can be resolved quickly. Sometimes some transactions may take longer than expected but this doesn't happen very often. I would recommend using this as long term solution because all transaction will go through their system which makes things easier. If you're looking for quick cash then don't use them - they'll charge high fees compared to other providers like Paypal etc. We needed fast money to cover our short-term debts when we were going away unexpectedly. This was perfect! They have great rates (even better than payday loans) and payments only need 1 week notice unlike most lenders who require 7 days' prior notification.