Even those having phone and app have trouble in the form of hefty penalties when cell service does not allow them paying in the hard 5 minute mandated. There was a little 'scandal' (more like the usual random weekly media article pick for traffic increasing annoyment from among the thousands of similar f ups not getting any traction) recently provoking thunderous and colorful statements from officials. Regualation change may come in some form sometime perhaps that solves something possibly, but change something for certain, perhaps.