Perpay shop has been so awesome to use and even more awesome to do repayments. I am very bad with keeping track of when payments are due and with Perpay being able to connect them to my payroll to automatically debit any outstanding balance from my account is beautiful with both the Perpay credit card in the shop line of credit I was able to do both Christmas, birthdays Father's Day, and so forth with using the app and without having to break my pockets. Thank you, Perpay.