Based on the users' reviews of the Echopay Visa Prepaid app, here are three cons and pros: **Cons:** 1. Poor customer service: Many users reported difficulty in resolving issues with slow or unresponsive support. 2. Limited merchant acceptance: Some users struggled to find merchants that accepted Echopay Visa Prepaid, limiting its usefulness. 3. High fees: Users voiced complaints about excessive fees for transactions, reloads, and account maintenance. **Pros:** 1. Convenient and secure: Users praised the app's ease of use and secure transactions, citing trust in the Echopay platform. 2. Low costs: Many users appreciated the low fees for certain transactions and the option to reload with low fees. 3. Easy reload: Users commended the app's simple and efficient reload process, making it easy to top-up their accounts.