It is user friendly, I've been able to use this program from start-to finish with ease! There are not any downsides about it at this point in time other than what can be addressed by future programming changes or upgrades - such as adding features requested after initial implementation (such as collecting interest). This product has provided many benefits which include being very easy to implement into our organization; we no longer had employees handling collections nor did they need access/permissions like when dealing wtih previous software programs offered prior to using DevNetEdge billings system. This system was easy to use, it did what I needed without me having to do any training or customization myself. It is very intuitive once you get used to navigating through all the screens available. There are no bells or whistles in this package but it does exactly what we need. We were able to track payments made by our customers as well as their refunds received from them via the portal.