Verification of documents was stressful. Sometimes not all countries can provide those requested documents for example I was asked to provide a utility bill that has my name on it. I don't have a house of my own, I stay in a school hostel because I'm a student so my name can never be on a utility bill. It's my landlords name. So my money was held for more that 12 days or so. But it got sorted out eventually,transfer and conversion took only a few minutes. That was the only issue I have,I still like payooner. So a four star , the fifth star is for the stress I went through to verify these documents.