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Hey! Engineering manager here. We have to date never charged someone a fee, and in most app usage you most certainly will not encounter them. We are, however,

Hey! Engineering manager here. We have to date never charged someone a fee, and in most app usage you most certainly will not encounter them. We are, however, often charged heavy fees by the ATM and Credit Card companies (for unloading your money at an ATM, or loading your prepaid card with a credit card, specifically), and we went with the prepaid card market norms here around which of those we don't cover on your behalf. Legally, because we do reserve the right to not cover these fees, we have to have the footer text there on the site. As we ramp up our revenue, we hope to begin covering more and more of these fees for our users.

arenaninja 12y ago
Oh hi! Thanks for the response. prostoalex wrote this on the thread: > It's a prepaid debit card with rewards program. Is that correct, but with the ability to load it with a credit card? Essentially, if I buy into it and use only my debit card and cash with it, it's a prepaid card with bonuses and no fees?
- 21echoes 12y ago
  Yup! Credit card integration is in the works, but until then ACH linking is totally free (& faster than most, as we don't use the 3-day delay "challenge amounts" system most competitors use except as a fallback)
kolev 12y ago
Your verification sucks big time! You never sent text messages and I'm locked out of my invite as you have a limit of 3. I signed up with my Google Voice and now I'm in some queue of 150K suckers. How can you design this so poorly? I understand text messages cost you pennies, but you can only turn away early adopters this way, because who else cares about your service at this point? Also, when I switch to my SMS app to get the code and switch back to your app, you're return me to the phone number entry screen and waste another text message. How can I receive I text message from you, when you're in full-screen mode (without any reason, by the way) without switching to my SMS app to see the code?! And why does it need to be a 6-digit number, really? And because of your fancy input, I cannot even paste! This is some poor UX, guys, no offense, but it's like people who never touched this app coded it!

arenaninja 12y ago

Oh hi! Thanks for the response. prostoalex wrote this on the thread: > It's a prepaid debit card with rewards program. Is that correct, but with the ability to load it with a credit card? Essentially, if I buy into it and use only my debit card and cash with it, it's a prepaid card with bonuses and no fees?

21echoes 12y ago
Yup! Credit card integration is in the works, but until then ACH linking is totally free (& faster than most, as we don't use the 3-day delay "challenge amounts" system most competitors use except as a fallback)

kolev 12y ago

Your verification sucks big time! You never sent text messages and I'm locked out of my invite as you have a limit of 3. I signed up with my Google Voice and now I'm in some queue of 150K suckers. How can you design this so poorly? I understand text messages cost you pennies, but you can only turn away early adopters this way, because who else cares about your service at this point? Also, when I switch to my SMS app to get the code and switch back to your app, you're return me to the phone number entry screen and waste another text message. How can I receive I text message from you, when you're in full-screen mode (without any reason, by the way) without switching to my SMS app to see the code?! And why does it need to be a 6-digit number, really? And because of your fancy input, I cannot even paste! This is some poor UX, guys, no offense, but it's like people who never touched this app coded it!