Generally speaking, it’s not the apps that are weak. It’s the people using them. I used them when I ran a business. They provided customers a way to pay me with credit cards for small purchases.
I always needed the money so it was moved off pretty quickly.
99% of the problems with these services come from knuckleheads who get duped into sending money to fake accounts for non-existent products; or who grant access to their own account as a result of phishing attempts and out and out fraud.
These apps are tools. As with any tool, knowing how to use them and keep them “clean and sharp” is critical.
Agreed.