It says friends and family are free then charges every time! It said "pay from your contacts" but listed hundreds of people, none of which are my contacts and failed to find my frequently-used contact that I was trying to payIt asks me to rate but logs Me Out and demand I log in again. Then I went to customer service but it logged me out and then demanded that I rate it first before I could ask my question to customer service then it logged me out again. A completely and utterly useless service