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Only reason I downloaded this app was from an Instagram ad promising $50. I received the $50 and went to place my first order. I wanted a new phone case, so tried purchasing from Casetify. Order cancelled. Don’t know why. So, I tried ordering from Kohl’s. This time the order went through, and I was happy. Until, the day the order was due to arrive and I check the tracking. I found out the order was shipped backed to Kohls for insufficient address, it was missing the apt number. Now, you add your shipping details in the app and I double checked what I put in. Sure enough, my apt number was listed. Since my order was shipped USPS, Kohl’s can’t update my address to reattempt delivery. All I can do is wait for it to get back to the warehouse and receive a refund. I checked with Nates customer service and they didn’t give me a clear answer on why this happened and only told me to update my shipping details. Something went wrong on their end clearly, but didn’t receive any apology or answer on how to correct for the future. Yeah..this is not the future of online shopping. I don’t end up in this situation when going through regular checkout and use auto fill or use Apple Pay or PayPal, which honestly took about the same amount of time. I’m glad I wasn’t out any of my own money for this order and waiting for the refund, I’d be angry then.

This app is a great idea and they give you a $50 bonus for connecting your bank account. I also think it’s genius to be able to give a gift to a friend! I tried gifting two items and both were accepted by my friends, but cancelled by the merchant apparently. First off, I didn’t get any sort of notification or email stating or explaining why my orders were cancelled. Status: cancelled. I had to contact CS, which gave me the same auto generated responses for a few hours. It’s important to note that for these gifts, I used the $50 Nate cash for one, and my bank account (working debit card, just had direct deposit). The CS person told me that larger companies can cancel an order if it’s placed with some privacy card so they can’t data mine - don’t remember exact words but apparently Nate cash doesn’t work with big companies like Sephora. The other order was cancelled due to a bank account issue but I have no idea why. This was my second time giving the app a shot and every time I try to purchase something it doesn’t work out. I also don’t like the app interface, kind of confusing and leaves something to be desired… just gonna stick with Klarna and Afterpay. Bummed the gifting thing didn’t work out, it’s a great idea.

I have tried everything to try to use this app. No matter the price or if you are using “Nate cash”, any purchase in the app requires a $20-30 hold on your bank account linked and the order will be canceled if they can’t authorize that. Aka if you have the $50 nate cash and try to buy a $10 item, if your bank declines the $30 hold (3x the price of the item that your nate cash can cover 5x…) the order will be canceled. Most sites will also cancel the order anyways because it’s flagged as fraud. And then if you finally try to place an order but you don’t use the type of email they want you to use and your domain errors out (assuming this is a nate issue as I’ve never had an issues with the email carrier I use before), they block your account as suspicious. you cannot change your email and if you try to make a new account you will also be blocked completely. You also can’t use google chrome with the app, you have to share your links through safari and even then most sites come up as an error. waste of time and effort. their customer service is also discombobulated - you’ll send 1 message and 7 different people will respond with different answers.