It's been basically flawless short of an issue where it showed me a negative balance one day, but that was entirely an issue with the way information was presented to the user, and not a result of any issues with payments.

That said, I am moving some of my bills over to Fold for the time being. With price not moving much over the last few months, the 1% fee on either end of the fiat conversion adds up. at this point I'm finding the small rewards on ACH transactions at Fold more attractive.

Both are great though.