Payments from Mastercard work pretty well, for me it's like a regular bank card here. Huge advantage, because its 0 fees too. I'm not sure if its a promotion or it will stay like that, but so far the deal is pretty sweet. The XS.com cards mobile app is not really done that well, but it's fast. Just a bit hard to look at. Fortunate I don't have to do that at all pretty much.