Will be okay if you use them maybe once a month...
If you receive several payouts in a month...they will place a hold on the reference number and ask you a ton of questions about why you are receiving this money...and who sent it...
I always like to say that it is from the missionary that I sponsor.
As far as sending goes...be careful of the amount...if you send several dimes...their antennas go up...also they store your phone number even if you do not sign up for the Money Saver card...which I would NEVER sign up for anyway...
They can see exactly how many sends you have made and to whom and where...this is without the Money Saver card...which is interesting.