paid merchant using phone number payment got successful side got withdrawal message bank via sm well merchant not get sm transaction not show account checked pay app found no bank linked no transaction showed transaction history app sending money checked thoroughly account info showed merchant name pay allow fraud account function bank account not linked pay account money got transferred account successfully not even know went no basis confirm account merchant not someone made fake account number ended paying double amount lack authenticity side not get money back resulted lose trust brand like not going use application make u prefer cash payment cashless