What does the software or service do well? Takes your money
What does the software or service not do well? Absolutely no gaurantee the words "safe" are completely lies "Zelle® is a fast, safe and easy way to send and receive money with just a few taps on your mobile phone.
What do you wish you had known about the software or service before using? Not guaranteed your bank nor the organization backs up the fraud.
Have you used a competitor to the software or service? If so, how does it compare? Paypal is amazing as your bank guarantees the funds in the event of a fraudulent charge.