# CoAd Benefit Services — user reviews > 79 indexed App Store user reviews of CoAd Benefit Services by PRIMEPAY, LLC, rated 3.80/5 from 263 ratings. - Source: https://appshunter.io/ios/app/coad-benefit-services/id1570279178/reviews - App overview in markdown: https://appshunter.io/ios/app/coad-benefit-services/id1570279178.md - Rating breakdown: 5★ 166 · 4★ 16 · 3★ 7 · 2★ 14 · 1★ 60 ## Is CoAd Benefit Services safe? CoAd Benefit Services appears mostly safe based on user ratings. The AppsHunter Safety Score for CoAd Benefit Services is 76 out of 100. This assessment is based on 263 user ratings, with an App Store average of 3.8 out of 5. Of 263 App Store ratings, 69.2% point to a safe experience, 2.7% suggest some concerns, and 28.1% point to a risky experience. ## Is CoAd Benefit Services legit? CoAd Benefit Services appears to be a legitimate app. The AppsHunter Legitimacy Score for CoAd Benefit Services is 95 out of 100 points across 7 verification signals from App Store and developer data. ## What do users think of CoAd Benefit Services? Reviews of CoAd Benefit Services are mostly negative: the Finance app is rated 3.8/5 from 263 App Store ratings. What users like most: easy to use interface and navigation, quick and convenient reimbursement submission. Top complaints: persistent loading screen issues and app freezes, login and authentication problems (Face ID, biometric failures). Summarized from real user reviews. **Pros** - 👍 Easy to use interface and navigation - 🚀 Quick and convenient reimbursement submission - 💰 Effective way to save money on medical and childcare expenses - 📱 Simple receipt upload process - ⚡ Fast payout when working correctly - 🎯 Direct deposit setup streamlines process - 📞 Helpful and efficient customer service hotline **Cons** - 🐛 Persistent loading screen issues and app freezes - 🔐 Login and authentication problems (Face ID, biometric failures) - 📤 Inconsistent receipt upload acceptance and confusing requirements - ⏱️ Long processing times for reimbursements (months of delays) - 💳 Card frequently declined with no clear explanation or notifications - 🚪 Automatic logout when switching between apps - 🔀 App and website inconsistency and poor communication - 💸 Excessive fees (monthly charges, check fees, investment fees) - ❌ Difficult account correction process - 🎨 Poor UI/UX design and outdated interface - ⚠️ Overly strict approval requirements and frequent claim denials - 🔑 Password management issues and inconsistent credentials between app/website - 📋 Limited documentation upload options - 🚫 Inability to delete or modify submitted receipts **Commonly reported bugs** - Never-ending loading screen preventing app usage - Face ID and biometric authentication not working - App crashes and constant shutdowns - Password not saving on iPhone - Autofill not accepting security codes - Session timeout during claim filing - Inconsistent password acceptance between app and website - App logs out due to inactivity during normal use - Smart scan feature malfunctioning - Receipt upload limits (4 receipts maximum) - Claims incorrectly applied to wrong account (FSA vs HRA) - App support link is non-functional **Most requested features** - Real-time notifications for card decline status - Ability to choose between HSA and FSA for claims - Delete or modify receipt functionality - Auto-fill capability for recurring monthly submissions - Persistent password saving across app and website - Improved app-website synchronization - Multiple receipt uploads without limits - Clearer transaction categorization - Automatic deductible application for FSA claims - Dark mode option - Offline functionality ## Newest reviews (10 of 79) ### 2/5 — Constant Problems *2026-08-24, version 315.4.0* This app annoys me so much I don't even want an FSA account anymore. ### 2/5 — Glitchy app *2026-07-30* Anytime you use the app and go back, you need to start over. It tells you you need to have direct deposit or you’ll be charged $5 each time. Even if you’ve already set up direct deposit. Very frustrating ### 2/5 — Meh *2026-04-01, version 312.19.0* App and website seem to not communicate. Transit reimbursement takes a long time. I’ve been waiting several months. No explanation on delay. ### 2/5 — Constantly loading *2026-02-14, version 312.19.0* App works less than half the time. “Loading” ### 2/5 — annoying to use *2026-02-01, version 312.19.0* the UI sucks ngl ### 3/5 — Reimbursements are smooth but logging in is a nightmare *2025-09-08* Every time I try to log in, which can be multiple times in the same month my biometric login has to be reinstated and it tells me my password is wrong so I have to change it. This is a very annoying benefits administration platform. ### 5/5 — Love it *2025-07-07, version 18.2.0* Easy to use and free ### 5/5 — Awesome *2025-06-04, version 18.2.0* So easy to file reimbursements. ### 5/5 — Easy to use ! *2025-04-21, version 18.2.0* Super easy to submit a reimbursement for items that qualify. Follow some simple steps and done ! ### 1/5 — What an annoying app *2025-03-04, version 18.2.0* Lagging constantly, unable to save the password half the time, logs out when quickly looking between apps to check on a claim total or location of a downloaded receipt. ## Most critical reviews (10 lowest-rated) ### 1/5 — Terrible App Layout and Functionality *2026-09-22, version 315.4.0* I second the guy on the highlighted review who said this app just overall sucks. It constantly logs you out even if you just swipe to another app to check receipts or amounts of something. You have to have all the information in front of you and ready to go in order to submit a claim because it will not keep you logged in if you need to double-check something. Additionally, their requirements for receipts are absolutely absurd. It doesn’t matter if I submit a picture front and back of all 27 pages of my medical premium bill when only the information listed on page 3 is what matters at all, they require that I have a pdf version every time to submit which often takes about 3 weeks after making a payment to receive from my medical provider (Kaiser) but I am receiving bills with proof of payment day of that they will not accept. There is absolutely no user service that replies to any inquires made when asked, if there’s a problem then you’re better off reaching out to your employer and dealing with whoever handles the contract because that’s the only person you can get answers from and 9/10 times they don’t have the information you’re looking for so they have to reach out to customer service which takes even longer to get a reply from. Grateful for my employers way of handling things as they help to make some things expedited however the any support from within the app does not really exist. ### 1/5 — Worst company ever *2026-09-15, version 315.4.0* Terrible company to work with. I hate everything about them. They deny claims and then don’t tell you what to do to get it approved or why it was denied. ### 1/5 — Terrible App & Service *2026-09-01* The app constantly logs you out. You’re trying to switch back-and-forth to upload receipts and you get logged out. The company denies every single claim no matter how many receipts you upload I’ve spent more fighting with this company over money that is mine then it is worth the tax savings on. I’ve had to call so many providers to get a stupid letter for things that are so basic that should just be covered where receipts show what the service clearly is, PrimePay is so obnoxious. They do not need the details of every medical appointment, a copay should just be covered. They are the absolute worst company ever to deal with. ### 1/5 — The app is glitchy and customer service is the worst of any fsa company *2026-05-28, version 315.4.0* I don’t even know what to say about this app because it’ll get me steaming. I need to say it’s one out of five stars. ### 1/5 — Needs a lot of work *2026-05-22* Every time you switch to another app to get details it logs you out and you start over. WHY??? Not enough detail and confusing categories Card continuously gets blocked and not clear which transactions are blocking No notifications on app that your card is in decline status. Should be continuous and bring up problem receipts all the time. Get rid of check charge message if you have entered bank account info. This is another case of no one at firm uses app and / or the programmers don’t use. As other person stated they look for every excuse not to pay. Card being declined so pay out of pocket. I get receipt from Office for payment. Still not good enough. They also want EOB every time. Just get yourself. Seems random what they approve. One office approved another not approved. Receipts are identical. Same healthcare org two different physical offices I have never had so much problems with getting FSA money returned. App Support is dead link. It figures ### 1/5 — Never ending loading screen *2026-02-01* The app is literally unusable due to a never ending loading screen. It has been like this for months now, fix it. I can’t even put in a support ticket because again, the entire thing is completely broken by that loading screen. ### 1/5 — Does it even work? *2025-11-05, version 20.6.0* I have no success in getting the app to work. First, it doesn’t accept the autofill for the text security code, and second, when I log in it just spins saying loading and then finally kicks me back to the login screen saying “Signed out due to inactivity” even though it never finished loading. ### 1/5 — Hard to use *2025-10-19, version 20.6.0* This service is incredibly hard to use. The app and website are hard to login to. The errors do not make sense. Would not recommend. ### 1/5 — Loading….. *2025-08-26, version 20.6.0* Constantly stuck on loading screen… ### 1/5 — Awful *2025-04-09, version 18.2.0* Bad communication, bad and ridiculous requirements to get your money for standard monthly reimbursement. Just horrible. Also constantly 1-2 months required to change password is just crazy ## Most praised reviews (10 highest-rated) ### 5/5 — Easy *2026-07-13, version 315.4.0* Easy to use ### 5/5 — Great Job *2026-06-19, version 315.4.0* Top Notch ### 5/5 — Easy to use! *2026-05-17* I have used this for many years for the flex account and childcare reimbursement. Although the receipt uploads are not always accepted and can be confusing, overall this is a great way to save money and help pay for childcare and medical expenses! ### 5/5 — PrimePay *2026-04-07* Quick and easy especially when you set up direct deposit ### 5/5 — Easy to use! *2026-03-06, version 312.19.0* I have used this for many years for the flex account and childcare reimbursement. Although the receipt uploads are not always accepted and can be confusing, overall this is a great way to save money and help pay for childcare and medical expenses! ### 5/5 — Inquiries with hotline number about app *2025-12-29* They are very efficient, answers your questions clearly and clarifies questions with ease. Agent is well versed of her job. ### 5/5 — Easy to use! *2025-12-02* I have used this for many years for the flex account and childcare reimbursement. Although the receipt uploads are not always accepted and can be confusing, overall this is a great way to save money and help pay for childcare and medical expenses! ### 5/5 — Easy and quick *2025-11-22* I’m easily able to make frequent submissions for transit reimbursement, but very little difficulty. The uploading process for receipts is simple. ### 5/5 — Wonderfull APP *2025-11-14, version 20.6.0* Is very easy use it ### 5/5 — Great and easy service *2025-10-23* Submitting a receipt sometimes is frustrating when you have the same script every month; but it’s still easy and pays out fast Very happy --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-12.*