JIM.com: Instant Tap to Pay 4+

I really like Jim a lot I like how easy it is to receive a payment, but I will not be using it again until you guys start allowing bank. Transfers I don’t like knowing that when I get the money on the gym card, it could only stay there sometimes I need cash. Other than that I have no complaints. It’s a really easy app to use. I enjoy it accepting payments from my clients with it.

I will be waiting for you guys to allow instant bank. Transfers once you guys do that you guys will be killing the game.

Really appreciate the thoughtful feedback! We're glad JIM made getting paid easier. Bank transfers are a key feature, and it's already in the works. We'll keep you posted as soon as it's available.

So, I input all my credentials to create my account, and after I completed in putting all my credentials, I was immediately denied access. I went to the chat today, Monday, April 28, 2025, and asked why I was denied. I didn’t receive a response. The chat bot said I would receive a response after a few minutes. And it never happened. I even deleted the app after 30 minutes of not receiving a response. Then I downloaded the app again and went right back to the chat and ask a question again, and still no response. My previous questions were still there and not deleted. Therefore I think this app is a scam. Also, the fact that you can only sign up using your Apple ID , you can’t even choose your own email to sign up, yet it’s supposed to be a business account. I was wanting to use my business email, but I’m not able to do so. This is a huge issue that no one even responded back to me. Another thing is that there’s no phone number for this business, no Customer Service number or anything. The only way to contact someone is through a chat and you can’t even get through to anybody. I do not recommend downloading this app at all. I knew it sounded too good to be true usually when something seems too good to be true, it most likely is. WARNING!!! Don’t fall for the OKIE DOKE!

Hello! Thank you for your feedback, and we’re sorry to hear about your experience. JIM is a secure platform designed to make getting paid fast and easy, and we regret that things didn’t go as expected. We understand your frustration with the sign-up process and the lack of response through our chat. That’s not the experience we aim to provide, and we’re actively working to improve. We also appreciate your input about Apple ID and business email options — we’ll pass this along to our team. Please contact us at help@jim.com so we can assist you directly and make things right.

After one week of using JIM, here’s what I wish I knew before. Probably wouldn’t have moved forward with using and providing all of my personal and business information.

PROS
✅ Easy to use, on your phone
✅ 1.99% instead of 3% most card readers charge

CONS
❌ You can ONLY use the money on your JIM card through your phone, like Apple Pay
❌ You cannot deposit money from your sales into your business or checking account
❌ You cannot withdraw cash at an ATM
❌ It’s basically a prepaid card that you can only use for spending
❌ it didn’t accept my customers Costco Visa credit card. I had to use my normal credit card processor and it went through right away
❌ you cannot send invoices through email, manually input credit card numbers or take payments over the phone
❌ you cannot see what your balance is on the app. You have to ask the AI Chatbot for your remaining balance.

Overall, I think it’s OK for taking payments if you have a small side hustle. But probably not best for running a small business. It’s still at the beginning stages. Hopefully it improves over time, but it still has a way to go.

Thank you for giving JIM a shot and for sharing such detailed feedback! We’re happy to hear you found it easy to use and appreciated the lower fees. That said, we totally get your concerns, and we’re committed to making JIM a solid fit for businesses of all sizes, and your input helps us move in the right direction Really appreciate you taking the time to share your experience. We hope to earn back your trust as we continue to grow!