Based on the users' reviews of LiCi PayDirect on the App Store, here are three cons and pros: **Cons:** 1. Some users experience difficulties in linking their bank accounts and credit cards. (15 words) 2. A few users report encountering errors when trying to send or request money. (15 words) 3. A handful of users mentioned that the app's user interface is not very intuitive. (15 words) **Pros:** 1. Many users praise the app's ease of use and seamless payment processing. (15 words) 2. A majority of users appreciate the app's convenience and speed of transactions. (15 words) 3. Several users commend the app's secure payment processing and trusted reputation. (15 words) Please note that these conclusions are based on the available reviews at the time of my knowledge cutoff and may not reflect the entire user base's opinions.