Based on an analysis of recent customer reviews across South African payments and fintech providers, the sector excels at making it easy to get started but struggles with what happens after. Signups are fast, apps are intuitive, and card machine deliveries arrive promptly. However, when transactions fail, billing disputes arise, or accounts are locked, the customer experience deteriorates sharply. The overarching pattern is that fintech companies have solved the acquisition problem but not the retention problem.